Experian
Experian
- Status: Integrated
- Website: https://www.experian.com/
- Credentials: Through Partner (Connector)
- Description:
Experian is one of the three major consumer credit bureaus and a global information services provider. Through RiskOS™, Experian offers a wide variety of integrated products that span credit risk assessment, identity verification, fraud prevention, and data enrichment. Their solutions include consumer and business credit reports, credit scores, income and employment verification, fraud and identity risk signals, and specialized compliance tools.
Products offered via RiskOS™
| Product Name | Description | RiskOS™ Use Cases |
|---|---|---|
| Consumer Services Credit Profile | Credit Profile Report provides data generate by Experian's File OneSM system to give you the most accurate and comprehensive consumer credit information available. | Consumer Credit, Underwriting |
| Experian Lite Pull API | Experian's Lite Pull Credit Report API provides access to basic credit information and scores, enabling businesses to make informed credit decisions quickly and efficiently. | Consumer Credit, Underwriting |
| Experian SBFE | SBFE data from the Small Business Financial Exchange provides more than 19 years of small-business tradeline data that can be combined with Experian's extensive commercial, consumer, and alternative data assets to more accurately and efficiently assess small business risk. | Business Credit, Underwriting |
Example API response
Consumer Services Credit Profile
{
"creditProfile": [
{
"headerRecord": [
{
"reportDate": "string",
"reportTime": "string",
"preamble": "string",
"versionNo": "string",
"mKeywordLength": "string",
"mKeywordText": "string",
"y2kReportedDate": "string",
"inquiringSubcode": "string",
"reportCode": "string",
"applicationCode": "string"
}
],
"addressInformation": [
{
"censusGeoCode": "string",
"city": "string",
"countyCode": "string",
"dwellingType": "string",
"firstReportedDate": "string",
"lastReportingSubscriberCode": "string",
"lastUpdatedDate": "string",
"msaCode": "string",
"source": "string",
"state": "string",
"stateCode": "string",
"streetName": "string",
"streetPrefix": "string",
"streetSuffix": "string",
"timesReported": "string",
"unitId": "string",
"unitType": "string",
"zipCode": "string"
}
],
"consumerAssistanceReferralAddress": {
"cityStateZip": "string",
"officeName": "string",
"phone": "string",
"poBox": "string",
"streetName": "string"
},
"consumerIdentity": {
"dob": {
"day": "string",
"month": "string",
"year": "string"
},
"name": [
{
"firstName": "string",
"generationCode": "string",
"middleName": "string",
"secondSurname": "string",
"surname": "string",
"type": "string"
}
],
"phone": [
{
"number": "string",
"source": "string",
"type": "string"
}
]
},
"directCheck": [
{
"subscriberAddress": "string",
"subscriberCity": "string",
"subscriberCode": "string",
"subscriberName": "string",
"subscriberPhone": "string",
"subscriberState": "string",
"subscriberZipCode": "string"
}
],
"employmentInformation": [
{
"addressExtraLine": "string",
"addressFirstLine": "string",
"addressSecondLine": "string",
"firstReportedDate": "string",
"lastUpdatedDate": "string",
"name": "string",
"source": "string",
"zipCode": "string"
}
],
"fraudShield": [
{
"addressCount": "string",
"addressDate": "string",
"addressErrorCode": "string",
"dateOfBirth": "string",
"dateOfDeath": "string",
"fraudShieldIndicators": {
"indicator": [
"string"
]
},
"sic": "string",
"socialCount": "string",
"socialDate": "string",
"socialErrorCode": "string",
"ssnFirstPossibleIssuanceYear": "string",
"ssnLastPossibleIssuanceYear": "string",
"text": "string",
"type": "string"
}
],
"informationalMessage": [
{
"messageNumber": "string",
"messageNumberDetailed": "string",
"messageText": "string"
}
],
"inquiry": [
{
"amount": "string",
"date": "string",
"kob": "string",
"subscriberCode": "string",
"subscriberName": "string",
"terms": "string",
"type": "string"
}
],
"mla": {
"messageNumber": "string",
"messageText": "string"
},
"ofac": {
"messageNumber": "string",
"messageText": "string"
},
"summaries": [
{
"summaryType": "string",
"attributes": [
{
"id": "string",
"value": "string"
}
]
}
],
"publicRecord": [
{
"adjustmentPercent": "string",
"amount": "string",
"bankruptcyAssetAmount": "string",
"bankruptcyVoluntaryIndicator": "string",
"bookPageSequence": "string",
"consumerComment": "string",
"courtCode": "string",
"courtName": "string",
"disputeFlag": "string",
"ecoa": "string",
"evaluation": "string",
"filingDate": "string",
"plaintiffName": "string",
"referenceNumber": "string",
"repaymentPercent": "string",
"status": "string",
"statusDate": "string"
}
],
"riskModel": [
{
"evaluation": "string",
"grade": "string",
"modelIndicator": "string",
"score": "string",
"scoreFactors": [
{
"importance": "string",
"code": "string"
}
],
"scorePercentile": "string"
}
],
"ssn": [
{
"number": "string",
"ssnIndicators": "string",
"variationIndicator": "string"
}
],
"statement": [
{
"dateReported": "string",
"statementText": "string",
"type": "string"
}
],
"tradeline": [
{
"accountNumber": "string",
"accountType": "string",
"amount1": "string",
"amount1Qualifier": "string",
"amount2": "string",
"amount2Qualifier": "string",
"amountBalloonPayment": "string",
"amountPastDue": "string",
"balanceAmount": "string",
"balanceDate": "string",
"bankruptcyChapterNumber": "string",
"consumerComment": "string",
"consumerDisputeFlag": "string",
"datePaymentDue": "string",
"delinquencies30Days": "string",
"delinquencies60Days": "string",
"delinquencies90to180Days": "string",
"derogCounter": "string",
"ecoa": "string",
"enhancedPaymentData": {
"actualPaymentAmount": "string",
"chargeoffAmount": "string",
"ciiCode": "string",
"complianceCondition": "string",
"creditLimitAmount": "string",
"enhancedAccountCondition": "string",
"enhancedAccountType": "string",
"enhancedPaymentHistory84": "string",
"enhancedPaymentStatus": "string",
"enhancedSpecialComment": "string",
"enhancedTerms": "string",
"enhancedTermsFrequency": "string",
"firstDelinquencyDate": "string",
"highBalanceAmount": "string",
"maxDelinquencyCode": "string",
"mortgageId": "string",
"originalCreditorClassificationCode": "string",
"originalLoanAmount": "string",
"paymentLevelDate": "string",
"purchasedPortfolioFromName": "string",
"secondDelinquencyDate": "string",
"secondaryAgencyCode": "string",
"secondaryAgencyId": "string",
"specialPaymentAmount": "string",
"specialPaymentCode": "string",
"specialPaymentDate": "string"
}
}
]
}
],
"arf": {
"arfResponse": "string"
},
"tty": {
"ttyResponse": "string"
}
}Experian Lite Pull API
"litecreditReport":[
{
"headerRecord":[
{
"reportDate":"082222",
"reportTime":"081316",
"preamble":"TMI2",
"versionNo":"07",
"mKeywordLength":"30",
"mKeywordText":"123456789012345678901234567890",
"y2kReportedDate":"08222022"
}
],
"addressInformation":[
{
"city":"TUSTIN",
"dwellingType":"S",
"firstReportedDate":"10032010",
"lastReportingSubscriberCode":"1230840",
"lastUpdatedDate":"09182021",
"source":"2",
"state":"MI",
"streetName":"100TH",
"streetPrefix":"21598",
"streetSuffix":"AVE",
"timesReported":"10",
"zipCode":"496888651"
},
{
"city":"TUSTIN",
"dwellingType":"S",
"firstReportedDate":"03032006",
"lastUpdatedDate":"01282012",
"source":"1",
"state":"MI",
"streetName":"100TH",
"streetPrefix":"10620 N",
"streetSuffix":"AVE",
"timesReported":"00",
"zipCode":"49688"
}
],
"consumerIdentity":{
"dob":{
"day":"17",
"month":"02",
"year":"1935"
},
"name":[
{
"firstName":"NELSON",
"surname":"LINS",
"type":"N"
}
]
},
"riskModel":[
{
"evaluation":"P",
"modelIndicator":"F",
"score":"0844"
}
],
"ssn":[
{
"number":"666596325",
"ssnIndicators":"YYYYYYYYY"
}
],
"fcraAttribute":{
"message":"00",
"modelAttributes":[
{
"variableName":"XFC01",
"signofAttribute":"+",
"attributeValue":"00"
},
{
"variableName":"XFC02",
"signofAttribute":"+"
},
{
"variableName":"XFC03",
"signofAttribute":"+"
},
{
"variableName":"XFC04",
"signofAttribute":"+"
},
{
"variableName":"XFC05",
"signofAttribute":"+"
},
{
"variableName":"XFC06",
"signofAttribute":"+",
"attributeValue":"01"
},
{
"variableName":"XFC07",
"signofAttribute":"+",
"attributeValue":"00"
}
]
},
"endTotals":[
{
"totalSegments":"008",
"totalLength":"00517"
}
]
}
]Experian SBFE
{
"requestId": "27a09670-121d-11ec-817c-913cdbdc24a2",
"comments": "Testing 123",
"success": true,
"results": {
"listOfSimilars": [
{
"matchReliabilityCode": "90.75",
"bestBusinessCity": "HARRISBURG",
"bestBusinessName": "CHRISTIAN CHURCHES UNITED OF THE TRI-COUNTY AREA",
"bestBusinessPhoneNumber": "555555555",
"bestBusinessPostalCode": "17109",
"bestBusinessState": "PA",
"bestBusinessStreetAddress": "900 S ARLINGTON AVE RM 128",
"bhi": "H",
"bin": "1",
"locationBin": null,
"matchedBusinessCity": "HARRISBURG",
"matchedBusinessName": "CHRISTIAN CHURCHES UNITED OF THE TRI-COUNTY AREA",
"matchedBusinessPhoneNumber": "1",
"matchedBusinessPostalCode": "17109",
"matchedBusinessState": "PA",
"matchedBusinessStreetAddress": "900 S ARLINGTON AVE RM 128",
"noCollections": 1,
"noPublicRecords": 1,
"noSBFETrades": 1,
"parentBusinessIdentificationNumber": null,
"parentCompanyIndicator": "N",
"taxId": "139998877",
"uBin": "840064548",
"experianFileNumber": "840064548",
"transactId": "1",
"recordSequenceNumber": 1,
"businessAssociationType": "1",
"businessName": "1",
"streetAddress": "1",
"city": "1",
"state": "1",
"zip": "1",
"phoneNumber": "1",
"matchingNameAndAddress": {
"matchingBusinessName": "Experian",
"matchingStreetAddress": "535 ANTON BLVD",
"matchingCity": "Costa Mesa",
"matchingState": "CA",
"matchingZip": "92626",
"matchingZipExtension": "9262"
},
"dataContent": {
"sAndPIndicator": "1",
"keyFactsIndicator": "1",
"inquiryIndicator": "1",
"publicRecordDataIndicator": "1",
"bankDataIndicator": "1",
"governmentDataIndicator": "1",
"collectionIndicator": "1",
"executiveSummaryIndicator": "1",
"industryPremierIndicator": "1",
"uCCIndicator": "1"
},
"internationalBusiness": "1",
"reliabilityCode": {
"reliabilityCodeValue": "90.75"
}
}
],
"businessInformation": {
"experianFileNumber": "796744203",
"businessName": "EXPERIAN INFORMATION SOLUTIONS INC",
"businessStreetAddress": "475 ANTON BLVD",
"businessCity": "COSTA MESA",
"businessState": "CA",
"businessZip": "92626",
"businessPhoneNumber": {
"number": "7148305000"
},
"taxId": "133980063",
"websiteURL": "http://www.experian.com",
"legalName": {
"legalBusinessName": "EXPERIAN INFORMATION SOLUTIONS, INC."
},
"dbaNames": [
{
"dbaname": "THE BOEING CO"
}
],
"foreignCountry": "1",
"matchedBusinessName": "CHRISTIAN CHURCHES UNITED OF THE TRI-COUNTY AREA",
"matchedBusinessStreetAddress": "900 S ARLINGTON AVE RM 128",
"matchedBusinessCity": "HARRISBURG",
"matchedBusinessState": "PA",
"matchedBusinessPostalCode": "17109",
"matchedBusinessPhoneNumber": [
{
"number": "7172324965"
}
],
"branchHeadquarterIndicator": "1",
"branchLocation": {
"bin": "1",
"locationId": "1"
},
"parentCompanyIndicator": "N",
"ultParentPbin": "1",
"parentBusinessIdentificationNumber": null,
"customerDispute": {
"statementIndicator": {
"value": "One or more items on this profile is disputed by the business or a victim statement is present",
"code": "Y"
}
},
"corporateLink": {
"corporateLinkageIndicator": "Y"
}
},
"sbfeScores": {
"owner": "Jon Consumer",
"score": 750,
"factorList": [
{
"code": "134",
"description": "Number of months since last commercial delinquency is too short"
}
],
"modelName": "sbfeml",
"modelScoreType": "BUSINESS_ONLY"
},
"sbfeFinancialAccountSummary": {
"oldestFinancialTrade": "1988-10-18",
"finAccountsDelinquent": "965",
"acctsGreater100Utilized": "10",
"worstFinancialPerformanceEver": {
"code": "L",
"description": "Uncollected / Charge-Off"
},
"sbfeProductType": {
"acctTypeDetails": [
{
"type": "003",
"description": "Commercial Card",
"numAccts": "67",
"balance": "98378",
"creditLimit": "4018013",
"scheduledPaymentAmt": "5681",
"pastDueAmt": "20713"
}
],
"acctTypeTotals": {
"numAccts": "1749",
"balance": "89310749",
"creditLimit": "379078232",
"scheduledPaymentAmt": "6964984",
"pastDueAmt": "497242"
}
},
"paymentPerformance": {
"satisfactory": "784",
"pastDue30Days": "912",
"pastDue60Days": "11",
"pastDue61PlusDays": "20",
"derogatory": "22"
}
}
}
}Data dictionary
Experian Data Dictionaries are currently not available.
Updated 5 months ago