Credit report APIs: CIBIL, CRIF, Equifax, Experian
Credit report APIs pull a person’s credit report, with score, accounts, repayment history and enquiries, in one standard JSON format whichever bureau you choose. A commercial credit report does the same for a business.
Lenders, NBFCs, fintechs and leasing companies call them at the point of a credit decision. A consumer credit report needs the person’s explicit consent, recorded with when and how it was given; a commercial report, the business’s.
APIs
5 credit reports APIs
CIBIL Credit Report API
LiveInstant answerSandboxPull a consumer’s CIBIL score and full credit report in one call, as JSON your credit rules can read without a human opening a PDF.
- Endpoint
- POST /universal/cibil-report
- Answer
- About 5 seconds
CRIF Credit Report API
LiveInstant answerSandboxAdd a CRIF High Mark report to your credit journey with four fields and get the score, accounts and repayment record back in seconds.
- Endpoint
- POST /universal/crif-report
- Answer
- About 5 seconds
Equifax Credit Report API
LiveInstant answerSandboxGet an Equifax credit report from just PAN, mobile and full name, the lightest input of the four consumer credit report APIs.
- Endpoint
- POST /universal/equifax-report
- Answer
- About 8 seconds
Experian Credit Report API
LiveInstant answerSandboxPull an Experian credit report with a fuller identity set (name, date of birth and PIN code) for loans where the application already holds them.
- Endpoint
- POST /universal/experian-report
- Answer
- About 10 seconds
Commercial Credit Report API
LiveInstant answerSandboxSee a business’s credit facilities, overdues and defaults from its name and PAN before you lend to it or sell to it on credit.
- Endpoint
- POST /universal/commercial-credit-report
- Answer
- About 8 seconds
Get started
Request API access
Tell us what you want to verify. We reply within one business day with access steps, Sandbox details and your API pricing.
Read the developer guide
Keys, Sandbox and Production, the request and answer format, and how access works.
Developer guideCreate a business account
API keys are issued to an approved business account. Sign up, then request access under Developers.
Create account
Pricing
Production calls are charged per check from your prepaid VerifyAll wallet, at your account’s API price; GST is added separately when you recharge. Sandbox calls are never charged. Your API prices are shown in the dashboard once access is approved. How pricing works
Already have a business account? Sign in to request access
Credit reports API questions
Answers for teams planning an integration.
Still have questions? Our team is happy to help.
Contact SupportOther API categories
Add credit reports to your product
Request access, build against the Sandbox, and go live with your Production key.