Service your customers and make smarter business decisions by retrieving credit data in XML format via the web, 24/7.

CreditAPI is fast and user-friendly software that provides instant credit reports for businesses to make efficient accurate decisions. By pulling real-time data from Experian, Equifax and Transunion, CreditAPI uses a sophisticated algorithm to merge information from all three bureaus to create an accurate, unified credit report for your customers and your financial institution. CreditAPI also provides near-instant access to VantageScore ratings and FICO scores.

CreditAPI Features

Merge Technology

Our powerful technology pulls credit bureau data within seconds and a sophisticated algorithm balances variations in reports to create a single, highly accurate credit report. Credit information is pulled from all major credit bureaus:

  • Experian
  • Equifax
  • Transunion

Transition Quickly and Smoothly

Financial institutions who are current subscribers or already authorized by the three credit bureaus can integrate CreditAPI in as few as one-to-five business days. We provide sample code and a protected testing environment for error-free development and a seamless transition.

Verification Services

Beyond credit data, access a multitude of verification services such as identity, income, employment, assets, valuation, criminal, eviction, etc. with a single SmartAPI.

Easy Data Retrieval

CreditAPI simply requires web access and requests sent via HTTPS with 128-bit SSL encryption to gain near-immediate access to credit reporting from all three bureaus plus VantageScore and FICO scores. Retrieve data in XML format and use with other supported data types: HTML, MISMO, PDF, TEXT and X12.


Configure reports to structure and order data your way. Or choose from our 30+ predefined customizable templates to display the information you need, quickly and easily.

Responsive Support

Our client-focused support staff responds quickly and attentively throughout setup, launch and ongoing usage. By gaining a thorough understanding of your institution and customer needs, we can anticipate challenges and put systems in place to protect you and ensure your service runs smoothly.

Benefits of Using CreditAPI

Discover how MeridianLink’s pioneering solutions can improve efficiency and increase your customer satisfaction.

Contact us today for a complete capabilities demonstration and let us show you why our entire suite of innovative services has broad support among leading credit unions, retail banks, consumer reporting agencies and other established financial institutions.
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