Q: Does CreditAPI support credit card payments?
A: Yes. We recommend that such a feature be handled by the system that is ordering the credit report. If that is not possible, CreditAPI can be setup to process the credit card that is attached to the credit order request. This is a useful feature if you want to pass the costs of the credit report to the end-user. However additional setup costs may apply.
Q: How flexible is CreditAPI in terms of configuring the look and feel of the credit report?
A: End-users have the ability to fully customize and generate their own credit report based on the XML data provided. As a more practical alternative, CreditAPI provides over 30 predefined customizable templates that could be used to structure the order and grouping of data that are shown on the credit reports.
Q: Are there fraud detection products that can be ordered along with the credit report?
A: Yes. Each bureau has its own add-on product that scan for discrepancies with the inputted data. For example, SSNs are checked to make sure it doesn't belong to a deceased person and that it matches with what the bureaus have in their database.
Q: Are FICO scores accessible via CreditAPI?
A: Yes, FICO scores can be ordered from the bureaus. FICO scores are generally only available for credit granting purpose.