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) = 10 characters
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 = 10 characters
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:
AuthURL
string
Timestamp
string <date-time>
DeliveryType
string
Enum: "0" "1"
Language
string
Value: "0"
Passcode
integer <int32>
Status
string
Enum: "0" "1" "2" "3" "4" "5" "6" "7"
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
{
}

Reverse Phone Append

post/experian/rpa

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.

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
number
string
Responses
200

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.

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

Request samples
application/json

Successs

{
}
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
{
}

Experian Business Aggregates

post/experian/business/aggregates/{config}

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.

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
bin
string
subcode
string
comments
string
Responses
200

Successful Business Aggregates Response

Request samples
application/json

Request Schema

{
}
Response samples
application/json
{
}

Experian Business Bankruptcies

post/experian/business/bankruptcies/{config}

The Bankruptcies API can return both a summary level view of business bankruptcies and also details on each bankruptcy on file for a business, including Chapter 7, 11, and 13 bankruptcies. New bankruptcy filings are added to the Experian database within 24 hours, and bankruptcies remain on Experian's file for 9 years and 9 months.

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
bin
string
subcode
string
bankruptcySummary
boolean
bankruptcyDetail
boolean
Responses
200

Successful Business Bankruptcies Response

Request samples
application/json

Request Schema

{
}
Response samples
application/json
{
}

Experian Business Collections

post/experian/business/collections/{config}

Experian's commercial collections database is the largest in the industry and contains information contributed by collection agencies to Experian. The Collections API returns both summary and detailed information of collections activity on file for the business. Collections activity remains on Experian's file for up to 6 years.

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
bin
string
subcode
string
collectionsSummary
boolean
collectionsDetail
boolean
Responses
200

Successful Business Collections Response

Request samples
application/json

Request Schema

{
}
Response samples
application/json
{
}

Experian Business Compliance Insight

post/experian/business/compliance-insight/{config}

The Business Compliance Insight API is used for know-your-customer (KYC) investigations to learn more about the business, who runs it, and who they are affiliated with.

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
bin
string
subcode
string
comments
string
Responses
200

Successful Business Compliance Insight Response

Request samples
application/json

Request Schema

{
}
Response samples
application/json
{
}

Experian Business Compliance Insight PDF

post/experian/business/compliance-insight/{config}/pdf

The Business Compliance Insight API is used for know-your-customer (KYC) investigations to learn more about the business, who runs it, and who they are affiliated with. This endpoint uses a config.

SecurityAuthorization Token
Request
path Parameters
config
required
string
Request Body schema: application/json
bin
string
subcode
string
comments
string
Responses
200

Successful Business Compliance Insight PDF Response

Request samples
application/json

Request Schema

{
}
Response samples
application/json
{
}

Experian Business Contacts

post/experian/business/contacts/{config}

The Business Contacts API provides a high-level view of business to consumer linkage for contacts affiliated with the business. The API will identify any known business owners/principals of the business, including both individual owners and company owners, as well as the known contact titles of those individuals at the business. Lastly, the API also returns a list of other businesses those contacts are affiliated with. The Business Contacts API is useful in identifying potentially undisclosed beneficial owners, as well as providing business affiliations and contact affiliations to support fraud, regulatory, or compliance investigations.

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
bin
string
subcode
string
comments
string
Responses
200

Successful Business Contacts Response

Request samples
application/json

Request Schema

{
}
Response samples
application/json
{
}

Experian Business Corporate Linkage

post/experian/business/corporate-linkage/{config}

Use the Corporate Linkage API to make better decisions through the identification of relationships within a corporate family tree. Corporate Linkage identifies financial and legal relationships between businesses of all sizes, including small and midsize businesses. Corporate Linkage enhances decision making by revealing parent company and ultimate parent relationships, allowing risk managers to assess overall corporate exposure, and to help meet 'Know Your Customer' requirements.

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
bin
string
subcode
string
modelCode
string
corporateLinkagePartial
boolean
corporateLinkageFull
boolean
Responses
200

Successful Business Corporate Linkage Response

Request samples
application/json

Request Schema

{
}
Response samples
application/json
{
}

Experian Business Corporate Registrations

post/experian/business/corporate-registrations/{config}

The Corporate Registrations API identifies corporate filing information from the Secretary of State including state of origin, business structure (Corporation, LLC, etc.), date of incorporation, current status, most recent filing date, charter number, and the name and address of the registered agent.

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
bin
string
subcode
string
statusDescriptionDetail
boolean
Responses
200

Successful Business Corporate Registrations Response

Request samples
application/json

Request Schema

{
}
Response samples
application/json
{
}

Experian Business Credit Status

post/experian/business/credit-status/{config}

The Credit Status API can be used to check a business against several key credit attributes, including combined tradeline count, combined account balance, current days-beyond-terms (DBT), combined recent high credit amount, the number of years on Experian's commercial database, and the number of recent credit inquiries made on the 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
path Parameters
config
required
string
Request Body schema: application/json
bin
string
subcode
string
Responses
200

Successful Business Credit Status Response

Request samples
application/json

Request Schema

{
}
Response samples
application/json
{
}

Experian Business Facts

post/experian/business/facts/{config}

Find key operational and firmographic details about business with the Business Facts API, including industry (SIC and NAICS codes), incorporation and public company status, number of years on file, annual sales and number of employees, and the names of key executive contacts.

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
bin
string
subcode
string
Responses
200

Successful Business Facts Response

Request samples
application/json

Request Schema

{
}
Response samples
application/json
{
}

Experian Business Fraud Shields

post/experian/business/fraud-shields/{config}

Experian's Commercial Fraud Shield provides a series of checks to screen for potential indicators of fraudulent activity. These checks examine potential listings on the OFAC warning list, whether or not the business is currently active, if the business is a previous victim of fraud, and whether or not there are potential inconsistencies between the business name, address, phone and Tax ID Number.

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
bin
string
subcode
string
Responses
200

Successful Business Fraud Shields Response

Request samples
application/json

Request Schema

{
}
Response samples
application/json
{
}

Experian Business Government Details

post/experian/business/government-details/{config}

The Government Details API highlights key details about a businesses activity with the US Government, including economic diversity status, government debarred indicator, contract awards, CAGE code, and more.

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
subcode
string
bin
string
comments
string
Responses
200

Successful Business Government Details Response

Request samples
application/json

Request Schema

{
}
Response samples
application/json
{
}

Experian Business Headers

post/experian/business/headers/{config}

The business header contains critical business identity information such as Experian's best business name on file, the full verified legal name and DBA names of the business, the business address, phone number, business Tax Identification number or Employer Identification Number (EIN), and the businesses website 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
config
required
string
Request Body schema: application/json
bin
string
subcode
string
Responses
200

Successful Business Header Response

Request samples
application/json

Request Schema

{
}
Response samples
application/json
{
}

Experian IST Watch

post/experian/business/ist-watch/{config}

The IST Watch API allows you to meet OFAC regulatory compliance compliance and screen for a number of compliance and global watchlists.

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
name
string
city
string
subcode
string
street
string
country
string
scoreThreshold
number
maximumResults
string
comments
string
Responses
200

Successful IST Watch Response

Request samples
application/json

Request Schema

{
}
Response samples
application/json
{
}

Experian Intelliscore

post/experian/business/intelliscore/{config}

Experian Business score only report in JSON format.

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
bin
string
name
string
city
string
state
string
subcode
string
modelCode
string
street
string
zip
string
phone
string
taxId
string
comments
string
Responses
200

Successful Intelliscore Response

Request samples
application/json

Request Schema

{
}