Equifax Credit Report API
Get an Equifax credit report from just PAN, mobile and full name, the lightest input of the four consumer credit report APIs.
The documentation opens in the VerifyAll dashboard after sign-in, for accounts with approved API access. New to the API? Start with the developer guide.
Overview
What the Equifax Credit Report API does
The Equifax Credit Report API pulls a consumer’s Equifax credit report from three details: PAN, mobile number and the full name as on the PAN. No gender, date of birth or address is asked for, which keeps the step short in an app or a partner’s form. The answer is JSON with the Equifax score and band, account summary, each account and its repayment record, and the enquiries.
Product teams use it where every extra field costs completed applications: pre-qualification screens, partner journeys that pass only basic KYC, and rental or subscription checks where the customer will not fill a long form. Credit teams use it as a primary report or beside another one when a co-lending partner or an internal policy asks for an Equifax view.
Like the other credit report APIs, it has a return-only endpoint and a create endpoint that saves the report to your VerifyAll account with a report_id, a request record and a downloadable PDF.
How it works
- 1
Record consent (time, method and consent-text version) and send POST /universal/equifax-report or POST /credit-report/equifax/create with pan, mobile, name and the consent object.
- 2
The request is validated: a malformed PAN or mobile, a name shorter than two characters or incomplete consent is refused with 400, never charged.
- 3
The Equifax report is answered in the same call, usually within about 8 seconds, and the check is charged from your prepaid wallet.
- 4
On a saved report, use the report_id to read it again (GET /credit-report/equifax/list/{id}), get the PDF (POST /pdf-reports/credit-equifax) or delete it.
Request and response
Equifax credit report API endpoints and fields
The main fields; the full reference with every field, error code and a cURL sample is in the dashboard docs.
| Endpoint | What it does |
|---|---|
| POST/universal/equifax-report | Pull an Equifax report and return it without saving |
| POST/credit-report/equifax/create | Pull an Equifax report and save it |
| GET/credit-report/equifax/list | List saved Equifax reports (Production key) |
| GET/credit-report/equifax/list/{id} | Read a saved Equifax report (Production key) |
| DELETE/credit-report/equifax/delete/{id} | Delete a saved Equifax report (Production key) |
Request fields
| Field | What it is |
|---|---|
| panRequired | PAN of the person, 10 characters. |
| mobileRequired | Mobile number of the person, 10 digits. |
| nameRequired | Full name as on the PAN, in one field. |
| consentRequired | obtained: true, purpose, obtained_at, method and text_version, recorded when the person agreed to the pull. |
| client_refOptional | Optional reference of your own (up to 100 characters). |
What the answer returns
| Field | What it is |
|---|---|
| score / score_band | The Equifax score (300 to 900) and its band; null and no_history when the person cannot be scored. |
| score_name / report_date | Which scorecard produced the score, and the report date. |
| subject | The name on the report, the masked PAN and the date of birth where the report has it. |
| summary | Account counts (total, active, closed, overdue, written off) and rupee totals, with the dates of the oldest and newest accounts. |
| accounts | Every account with type, lender, status, balance, overdue, EMI, interest rate where reported, and written_off_or_settled. |
| accounts[].dpd_summary | The month-by-month repayment record counted into on-time and late buckets, plus worst_dpd. |
| enquiries_total / enquiries | Total enquiries and the list of enquiries with lender, purpose, amount and date. |
| report_id / pdf_report_type | Saved reports only: the report’s id and its PDF type, credit-equifax. |
Base URL https://api.verifyall.ai. Authenticate with the X-API-Key header (a va_sandbox_ or va_live_ key). Every answer carries data, status_code, success, message and message_code; checks add outcome, checkResultId, charged and charged_amount.
Key features
Equifax Credit Report API features and capabilities
Three identity fields
PAN, mobile and full name are all it needs, so the credit step fits a one-screen form or a partner payload with basic KYC.
Signals for quick screens
score_band, enquiries_last_12m and total_overdue are enough for a pre-qualification rule; the full account list is there when a reviewer needs it.
PDF for the file
A saved Equifax report renders to the same PDF a dashboard pull produces, with a reference anyone can check on the VerifyAll website.
Clear charge on every answer
Each answer carries charged and charged_amount, so your ledger knows what each pull cost without a separate statement call.
Use cases
Where businesses use the Equifax Credit Report API
Pre-qualification in apps
Show a customer a likely offer after a three-field credit step, before the full application.
Co-lending partner requirements
Attach an Equifax report where a partner lender’s policy asks for one, without changing your parsing code.
Rental and subscription checks
With the person’s consent, look at repayment behaviour before a rental deposit waiver or a high-value subscription.
Filling gaps in a thin file
Pull Equifax when another report has little history, to see whether more accounts appear.
Industries
Coverage
Individuals in India with a PAN and a 10-digit Indian mobile number. It returns the accounts, repayment record and enquiries on the person’s Equifax report.
Limitations to plan for
- The extended consent object is required even on the short form: purpose, obtained_at, method and text_version.
- Expect around 8 seconds; set your client timeout to at least 90 seconds as the API reference advises for synchronous checks.
- No record on file is a completed lookup and is charged; a pull that fails before it completes is refunded.
- Saved reports are listed, read and deleted with the Production key only.
Integration
How to integrate the Equifax Credit Report API
From a business account to your first live call.
Step 1
Create a business account on VerifyAll and get it approved, as for running checks in the dashboard.
Step 2
Request Developer API access under Developers in the dashboard: the APIs you need, your expected monthly volume and your use case. The VerifyAll team reviews it and shares the API Services Agreement.
Step 3
Once the agreement is signed and access is approved, create your Sandbox key and build against sample data. Sandbox calls are never charged.
Step 4
Create your Production key, recharge your wallet and switch the key in your code: the endpoint and fields stay the same.
Get started
Request access to the Equifax Credit Report API
Tell us what you want to verify. We reply within one business day with access steps, Sandbox details and your API pricing.
View API documentation
The full reference for Equifax Credit Report API (endpoints, fields, errors, cURL) opens in the dashboard once your access is approved.
Open the docs (sign-in)Create 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
Equifax Credit Report API: frequently asked questions
Answers for teams planning an integration.
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Start with the Equifax Credit Report API
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