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.
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:
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.
Beyond credit data, access a multitude of verification services such as identity, income, employment, assets, valuation, criminal, eviction, etc. with a single SmartAPI.
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.
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.
Provide credit bureau reports to your customers or for internal use within seconds. Single credit bureau reports are generated in an average of 2-3 seconds while merged reports from all three bureaus require a mere 11 seconds.
Service your customers’ individual needs through the Credit Score Analyzer report, a standard feature of CreditAPI. Intuitive proprietary software analyzes a variety of factors unique to your customer and generates useful suggestions on your institution’s behalf to help improve scores.
Minimize your institution’s liability by using CreditAPI to store all credit reports offsite instead of in your system. CreditAPI is designed to accurately verify the identity of your customer and check for fraud at multiple points. By enabling IP restrictions, you can further limit your institution’s exposure by ensuring that your credentials cannot be used from a different location. CreditAPI is certified by CyberTrust and has the ability to integrate additional fraud protection from each credit bureau.
Financial institutions who are current subscribers or already authorized by the three credit bureaus can integrate CreditAPI in 1-5 business days and sometimes within a single day. We provide sample code and a protected testing environment for error-free development and a seamless transition.