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

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 consumers 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.

Benefits

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Equifax Credit Report
Give your consumers access to their Equifax® credit report, so they can stay informed of any changes month to month.
CreditReports
Multi-Bureau Credit Reports
Your consumers 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 consumers can access a summary of their credit reports, which helps them quickly understand their credit standing.

Key Features

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

Use Cases

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

The Credit Reports API is for business partners, like:
  • Financial Institutions
  • Fintech Companies
  • Financial Service Providers

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