Credit Bureau API — Bureau Integration & Reporting Pipeline
Unified credit bureau interface: data pull → score parsing → dispute management → tradeline reporting → monitoring · supports Experian, Equifax, TransUnion via single abstraction layer
Bureau partners
US bureaus
Experian
Equifax
TransUnion
Specialty bureaus
ChexSystems (banking)
LexisNexis (alt data)
FICO (score models)
VantageScore
International
CreditInfo (Africa)
CIBIL (India)
Dun & Bradstreet
1 Credit data pull & ingestion
Pull triggers
New user onboarding
Monthly refresh
Pre-transaction check
User-initiated pull
Dispute resolution
Request formation
Identity verification
SSN/DOB validation
Address matching
Soft pull (no impact)
Hard pull (w/ consent)
Data received
Credit score (FICO 8)
Tradelines (accounts)
Payment history
Inquiries
Public records
Error handling
Thin file (< 3 trades)
No hit (not found)
Fraud alert active
Frozen credit
Retry logic (3x)
2 Score parsing & factor analysis
Score models
FICO 8 (primary)
FICO 9
VantageScore 3.0
VantageScore 4.0
Kredete AI Score
Factor extraction
Payment history (35%)
Utilization (30%)
Credit age (15%)
Credit mix (10%)
New credit (10%)
Tradeline parsing
Account type classify
Balance extraction
Limit / high balance
Payment status codes
Date opened / closed
AI enrichment
Score trajectory predict
Risk segment assign
Opportunity detection
Peer comparison
Action impact model
3 Dispute management & resolution
Dispute detection
AI error identification
User-reported issue
Balance discrepancy
Identity error
Duplicate account
Letter generation
AI-drafted dispute
Template selection
Evidence attachment
FCRA compliance check
Metro 2 format
Submission
Direct to bureau API
Certified mail (backup)
CFPB portal
Creditor direct
Tracking number log
Resolution tracking
30-day timer
Status polling
Resolved (removed)
Resolved (updated)
Escalation needed
4 Tradeline reporting (furnishing)
Reported accounts
Kredete credit line
Savings-backed loan
Rent reporting
Utility reporting
Subscription reporting
Metro 2 formatting
Header segment
Base segment
J1 segment (name)
J2 segment (address)
Trailer segment
Submission schedule
Monthly batch (1st)
Correction batch (15th)
New account (real-time)
Closure (real-time)
Validation pre-submit
Compliance
FCRA compliant ✓
Metro 2 certified ✓
E-OSCAR registered
Annual audit
Error rate < 0.1%
5 Score monitoring & alerts
Continuous monitoring
Daily score check
New inquiry alert
Balance change detect
New account opened
Alert triggers
Score increase > 10pt
Score drop > 20pt
Utilization > 30%
Hard inquiry detected
User notifications
Push notification
In-app alert
Email summary
SMS (critical only)
Impact metrics
+58pt avg lift
73% dispute success
4.2M pulls/month
12K disputes filed
Avg time to score improvement: 45 days
API config
Credentials (vault)
Experian subscriber ID
Equifax member code
TU subscriber code
E-OSCAR credentials
Data handling
Encrypted at rest
PCI DSS Level 1
30-day cache
Auto-purge (FCRA)
Permissible purpose
Consumer consent ✓
Account review
Risk assessment
Collections