Provide your customers access to their credit reports and summaries from Equifax® or the three nationwide credit bureaus (Equifax®, TransUnion®, and Experian®) within your product solution

<p><strong>This API is a part of the Consumer Engagement Suite and is for companies that provide consumers direct access to their personal credit reports and scores. </strong><br /> <br /> The Credit Reports API delivers credit reports from Equifax® alone or side-by-side reports from all three nationwide credit bureaus (Equifax®, TransUnion®, and Experian®) to your customers within your product solution. They also deliver credit report summaries that include key data, including: total open accounts, length of credit history, average account age, debt-to-credit ratio, total credit limit, total credit available.</p>
Benefits
ThumbsUp
Equifax Credit Report

Give your customers access to their Equifax® credit report, so they can stay informed of key changes month to month.

CreditReports
Multi-Bureau Credit Reports

Your customers can access credit reports from Equifax® or the three nationwide credit bureaus (Equifax®, TransUnion®, and Experian®), so they can easily view any differences.

CreditSummary
Credit Summary

Your customers can access a summary of their credit reports, which helps them quickly understand their credit standing.

Key Features
    • circled-check

      Individual APIs for each component of a credit file enable you to deliver all or select line items of a credit report.

    • circled-check

      Enables scheduled recurring or on-demand delivery of credit reports. Stores and delivers not only current credit reports, but also historical credit reports via the Flashback feature.


NOTE to Developers:

When creating your App, be sure to select Type: B2B2C to access the Consumer Engagement Suite products, as they use a different authentication method.

Use Cases
The Credit Reports API enables you to:
  • Deliver credit reports to your customers within your product solution. 
  • Eliminate the burden of sensitive data storage.

The APIs within the Consumer Engagement Suite are intended for companies that provide their customers direct access to their personal credit reports and scores. These businesses may include:
  • Financial institutions
  • Fintech companies
  • Financial service providers

To view API Reference you must be logged in.
To view Additional API Docs you must be logged in.