<p style="font-size:1.5em;font-weight:500;"> powered by VantageScore® </p> <br> Give customers access to their credit score based on data from 3 nationwide credit bureaus

<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 /> Credit Scores & Credit Score Coach, powered by VantageScore®, delivers current and historical credit scores based on data from Equifax® or all three nationwide credit bureaus (Equifax®, TransUnion®, and Experian®) to your customers within your product solution.</p>
Benefits
CreditSummary
Equifax Only Credit Score Access

Give your customers access to their current and historical credit scores calculated from their Equifax® credit report, so they can stay on top of their score trends.

CustomerFirst
Educate Consumers on Credit Score

Educate consumers on how specific decisions and actions can impact their credit score, enabling them to make more informed decisions in the future.

CreditReports
Three Bureaus Credit Scores Visibility

Your customers can access current and historical credit scores calculated from all three nationwide credit bureaus in one place giving them the ability to view any differences.

Key Features
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      Enables selection of score models, like VantageScore™.

    • circled-check

      Enables scheduled recurring or on-demand delivery of credit scores.

    • circled-check

      Stores and delivers not only current VantageScore™ credit score, but also historical VantageScore™ credit scores via the Flashback feature.

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      Credit Score Coach, powered by VantageScore®, provides guidance on achieving score goals.

      • - After receiving consumer inputs, JSON Web Token identifies the consumers’ EnrollmentID.

      • - Invokes the consumer’s latest credit report & determines the current Credit Profile & Score Range.

      • - Prepares the response payload based on the current Credit Profile & Score Range and returns values for: Payment Activity, Credit Utilization, Debt & Balances and Credit Activity.

      • - API Returns additional responses, allowing consumers to edit or change the desired credit score goal or timeframes.


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
Credit Scores & Credit Score Coach enables you to:
  • Deliver 1-bureau or 3-bureau credit scores to your customers within your product solution.
  • Deliver guidance on maintaining a healthy score.

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

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