Credit Report API


Why an API for Credit Reports?

Our Credit Report API will consolidate the data gathered from the 3 credit reporting repositories to produce a unified view of the consumers credit report file. An API will make available the ability to place bulk requests that can be found in high volume, fast paced industries.

  • Bulk requests can be handled through CSV files or other suitable spreadsheet formats.
  • Security: Due to the nature of consumer credit report data, the servers we use maintain extremely high security requirements. All data obtained via our API’s are retained on our secure servers. The API’s use Secured Socket Layer (SSL) 128-bit encryption and are certified by CyberTrust–a worldwide leader in internet security assurance.

Our Credit Report API is used in, but not limited to, the following industries:

  • Compliance / Auditing
  • Consumer Finance
  • Consumer Lending
  • Direct Lending
  • Drivers Licenses
  • Employment Screening
  • Mortgage Credit
  • Quality Control
  • Tenant Screening
  • Utilities

Data that is commonly found in our API’s

  • Credit Reports from Trans Union, Equifax, Experian
  • Pre-Employment Credit Reports
  • 4506T IRS Tax Transcripts
  • SSA89
  • Social Security Number Verifications
  • Criminal Searches
  • Eviction Searches
  • Decision only Credit Reports
  • Motor Vehicle Records

Credit Report API Offer

Our Credit Report API offers a secure, easy, and effective tool to access consumer credit data from either 1, 2 or all 3 Credit Bureau’s (Experian, Equifax and Transunion) via XML for use within your software application to make an informed business decision.

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4506T and SSA89 API Offer

Our direct integration with the Social Security Administration (SSA) provides our API clients with the fastest response times in the industry for SSN verification direct from the SSA via the Form SSA89. Our 4506t API offers a secure direct connection to our homegrown IRS Direct ordering platform. Returning up to 3 past years of Tax Transcripts results as they are completed at the IRS level.

Tenant Screening API Offer

Our Tenant Screening offers a multitude of products for Tenant Screening Decisions. Products that are commonly found in this API are, Credit Reports from 1, 2 or ALL 3 bureaus, Criminal Searches, Eviction Searches and Decision only Reports.

What Do All of Our API’s Have in Common?

Quick integration is achieved since our API’s were designed to be simple to integrate. An experienced developer can complete the integration in less than a day. Just post an XML request to our URL and parse the XML response that comes back. Our Credit Report API can accommodate many data formats which allows for fast and seamless communication between databases. We provide sample code and testing environments to facilitate a smooth and error-free development process. Our support staff is easily accessible to assist you with any development issues that may arise.

About Universal Credit

Universal Credit Services has grown to be one of the largest National providers of mortgage services, lending services and tri-merge credit reports by consistently providing the industry’s top customer service. Since 1992, Universal Credit has helped industry leaders mitigate risk, close loans faster, overcome underwriting challenges, save on costs and provide professional assistance every step of the way. We live in a world where we are all increasingly aware of the importance of information. As such, our services deliver meaningful insights to help businesses and consumers spot opportunities and manage risk. We invest in great people to provide great service. There are no membership fees, no minimum volume requirements, multiple report formats and flexible LOS reporting systems, so that you can gather information and use it to the best of its ability. Also, we have diverse industry experience in banking, mortgage lending, real estate, energy and automotive. We know that you have many choices in credit reporting services. Our high-caliber, offered services and impeccable customer service help make that choice a simple one. Our team of dedicated professionals are waiting to serve you and your clients’ needs immediately. Begin your journey with Universal Credit and see the difference.

Credit Report API Request