Experian

• This endpoint returns a JSON credit report based on the provided config value for the identity submitted in the request body.
• The "config" string to be used in the URL is demonstrated in your Postman Collection.
• Save the response header value, "RequestID". This value can be used to order the PDF version of the report when using the following endpoint in Step 2.

This endpoint orders a PDF credit report based on the config value and RequestID value provided in the URL.

Experian's Precise ID combines a wide range of fraud-fighting and identity authentication tools that utilize industry-leading data sources to provide an accurate picture of each applicant. It also provides analytics that produce actionable fraud scores for application fraud, identity screening and first payment default (FPD). Fraud scores quickly and accurately assess the level of fraud risk through underlying validation and verification score elements to ensure a consumer’s identity. A single inquiry accesses cross-industry shared application data, credit records, demographic and publicly available data.

Experian's Precise ID is available with Multi-Factor Authentication which provides an additional method to authenticate customers using a one-time passcode sent to a customer's mobile or landline phone via SMS or Voice.

Experian's Precise ID is available with Knowledge IQ, a knowledge-based authentication (KBA) feature designed to authenticate the identity of a consumer through a question-response session. This feature provides multiple- choice questions where only a true consumer knows the correct answers. It streamlines the customer experience by using progressive questions for faster authentication without interrupting the current application process. Through application settings, clients may configure the system to automatically generate questions based on the Precise ID score or allow examination of data returned (i.e., scores, results codes) before deciding if question generation is necessary.

Experian's Reverse Phone Append allows you to validate phone data and return different types of client information linked to a phone number, such as: name, postal address, phone type and status, and location. It enables a single customer view through automation and custom workflows, without the data architecture. It enables organizations to efficiently identify their consumers — who they are and how to reach them — and results in streamlined processes to nurture and grow a customer base.

Experian's BusinessIQ Premier Profile combines credit risk, fraud checks and company background into a single report to ensure a thorough business review that facilitates better decision making. It provides “quick glimpse” views and comprehensive details related to business payment performance, public record history and background information so you can quickly and precisely determine the creditworthiness of a business.

Intelliscore Plus is Experian’s newest, most effective business scoring model to-date. Taking cues from the information entered on an inquiry, Intelliscore Plus returns either a commercial score or a blended commercial/consumer score. Both scores are highly predictive, but for small businesses, blended data has proven the most predictive in the industry. Intelliscore Plus combines information from sources including companies that report actual trade payment experiences, public records and collection records. More than 7 million records were used to build the Intelliscore Plus model, and more than 800 commercial and consumer data elements were utilized to develop the scoring algorithms.

The Intelliscore Plus model uses sophisticated statistical techniques to predict the likelihood that a business’s payment performance will become seriously delinquent, defined as 90-plus days beyond terms within the next 12 months or that the business will go bankrupt.

Experian commercial aggregates, or BizAggs, represent over 400 unique data attributes that represent the building blocks of commercial credit. The standard BizAggs include aggregates based on tradlines, bankruptcies, liens, judgments, UCC filings, collections firmographics, and inquiries against the business. The BizAggs API allows for real-time access to the BizAggs via RESTful API, allowing you to power custom models and make decisions in an instant.