Experian Credit Report API

The Experian Credit Report API pulls a consumer’s Experian credit report using the fullest identity set of the four consumer credit report APIs: PAN, mobile number, first and last name, date of birth and the PIN code of the current address. It returns the Experian score with its band, a summary of the person’s credit, each account with its repayment record, and the enquiries.

It suits journeys that collect these details anyway: home loans, loans against property, vehicle finance and card applications, where the date of birth is captured for KYC and the address PIN for servicing. Credit teams that underwrite larger exposures often read a second report, and Experian answers in the same fields as the others, so the two can be laid side by side.

Pull it once with POST /universal/experian-report, or save it with POST /credit-report/experian/create to keep the report, the request and a PDF in your VerifyAll account until you delete them.

How it works

1. 1

   With the applicant’s consent recorded, send POST /credit-report/experian/create with pan, mobile, first_name, last_name, dob (YYYY-MM-DD), pincode and the consent object.

2. 2

   Every field is validated before the pull: a date in the wrong format, a PIN code that is not six digits or a missing consent field is refused with 400 and not charged.

3. 3

   The report is answered in the same call, usually within about 10 seconds, and charged from your prepaid wallet.

4. 4

   Keep the report_id: GET /credit-report/experian/list/{id} reads the saved report, POST /pdf-reports/credit-experian returns the PDF, and DELETE /credit-report/experian/delete/{id} removes it.