Experian

REST API for Experian Data

[Step 1]: Experian Credit Report Request

post/experian/credit-profile/credit-report/basic/{config}
  • 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 is a dynamic REST API endpoint. The HTTP response body returned is subject to change based on the customer's unique order configuration or due to API changes made by our data providers
SecurityAuthorization Token
Request
path Parameters
config
required
string
Request Body schema: application/json
firstName
required
string (First Name) [ 0 .. 20 ] characters
middleName
string (Middle Name) [ 0 .. 20 ] characters
lastName
required
string (Last Name) [ 0 .. 32 ] characters
nameSuffix
string (Generation Suffix) [ 0 .. 3 ] characters
Enum: "Sr" "Jr" "III" "IV" "V" "VI" "VII" "VIII" "IX" "X"
dob
string <date> (Date of Birth)
ssn
string (Social Security Number) [ 4 .. 11 ] characters
phone
string (Mobile Phone Number)
street1
required
string (Street Address) [ 0 .. 48 ] characters
city
required
string (City) [ 0 .. 28 ] characters
state
required
string (State) = 2 characters
zip
required
string (Zip Code) [ 5 .. 10 ] characters
Responses
200

Successful Credit Report Response

Request samples
application/json

Request Schema

{
}
Response samples
application/json
{
}

[Step 2]: Experian PDF Credit Report Retrieve

post/experian/credit-profile/custom-credit-report/pdf/{requestId}/{config}

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

This is a dynamic REST API endpoint. The HTTP response body returned is subject to change based on the customer's unique order configuration or due to API changes made by our data providers

SecurityAuthorization Token
Request
path Parameters
requestId
required
string
config
required
string
Responses
200

OK

Request samples

Precise ID Standalone Report (Account Opening or Screening)

post/experian/cc2/{option}

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.

This is a dynamic REST API endpoint. The HTTP response body returned is subject to change based on the customer's unique order configuration or due to API changes made by our data providers

SecurityAuthorization Token
Request
path Parameters
option
required
string
Request Body schema:
firstName
required
string
lastName
required
string
middleName
string
nameSuffix
string
dob
string <date>
ssn
string [ 4 .. 11 ] characters
pobox
string
street1
string
street2
string
city
string
state
string = 2 characters
zip
string = 5 characters
phone
string (Phone Number)
email
string
Responses
200

Successful Cross Core 2 One-Time Passcode (no options) Response

Request samples
{
}
Response samples
application/json
{
}

Precise ID Report with OTP (Account Opening or Screening)

post/experian/cc2/{option}/otp

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.

This is a dynamic REST API endpoint. The HTTP response body returned is subject to change based on the customer's unique order configuration or due to API changes made by our data providers

SecurityAuthorization Token
Request
path Parameters
option
required
string
Request Body schema:
sessionId
string
code
string
Responses
200

Successful Cross Core 2 One-Time Passcode with options Response

Request samples
{
}
Response samples
application/json
{
}

Precise ID Report with mobile OTP and KIQ (Account Opening or Screening)

post/experian/cc2/{option}/kiq

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.

This is a dynamic REST API endpoint. The HTTP response body returned is subject to change based on the customer's unique order configuration or due to API changes made by our data providers

SecurityAuthorization Token
Request
path Parameters
option
required
string
Request Body schema:
riskStrategyNumber
string
languageCode
string
championChallengerRandomNumber
integer <int64>
outWalletQuestionsRequest
string
sessionId
string
object (KBAAnswers)
object (KBAUserDefinedNumerics)
object (KBAUserDefinedTexts)
object (KBAUserDefinedDates)
Responses
200

Successful Cross Core 2 Knowledge IQ (with options) Response

Request samples
{
}
Response samples
application/json
{
}

Experian Business Search

post/ccc/exp/search

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.

This is a dynamic REST API endpoint. The HTTP response body returned is subject to change based on the customer's unique order configuration or due to API changes made by our data providers

SecurityAuthorization Token
Request
Request Body schema: application/json
name
string
city
string
state
string
street
string
zip
string
phone
string
taxId
string
Responses
200

Successful Experian Business Search Response

Request samples
application/json

Sample 1

{
}
Response samples
application/json
{
}

Experian Intelliscore+ Business Report

post/ccc/exp/score

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.

This is a dynamic REST API endpoint. The HTTP response body returned is subject to change based on the customer's unique order configuration or due to API changes made by our data providers
SecurityAuthorization Token
Request
Request Body schema: application/json
bin
string
Responses
200

Successful Intelliscore Response

Request samples
application/json

Sample 1

{
}
Response samples
application/json
{
}