Rapid Deployment is possible because CreditAPI was designed to be simple to work with. An experienced web developer can complete integration in less than a day. All you need is the ability to post an XML request to our URL and parse the XML response that comes back.

We designed CreditAPI to be easy to access, and easy to deploy. A typical deployment can be completed within 1 business day. CreditAPI accommodates many data formats, including XML, allowing for fast and seamless communication between databases. We provide sample code and testing environments to facilitate a smooth and error-free development process. And most importantly, our support staff is readily available to personally assist with any development issues.

Merge Technology uses sophisticated algorithms to produce an accurate combination of credit data from all three credit repositories (Experian, Equifax and TransUnion).

CreditAPI has the ability to merge credit data that is obtained from the three credit repositories, Experian, Equifax and TransUnion. The amount of consumer credit data that the repositories track and record is massive and inevitably contains variations between them. In order to produce a unified view of a borrower’s credit record, each of the repository data needs to be merged together using a sophisticated algorithm that automatically determines which repository data is appropriate to use. This is the essence of CreditAPI’s Merge Technology.

Credit Score Analyzer generates recommendations on improving a consumer’s credit score.

The Credit Analyzer is proprietary software that processes credit data and generates specific actions that the borrower can take to improve their credit score.
View a sample Credit Analyzer report >>

Security and Compliance

Security & Compliance tools verify the identity of consumers and performs checks for fraud and compliance.Due to the nature of consumer credit report data, CreditAPI maintains extremely high security requirements. All consumer credit data that is obtained via CreditAPI is retained on our secured servers. The API uses Secured Socket Layer (SSL) 128-bit encryption and is certified by CyberTrust, a worldwide leader in internet security assurance.