Q: Does CreditAPI supports credit
A: Yes. We recommend that such feature be handled by the
system that is ordering the credit report. In the event that is not possible,
CreditAPI can be setup to process the credit card that is attached to the
credit order request. This is a useful feature if you want to pass the costs of
the credit report to the end-user.
Q: How flexible is CreditAPI in terms of
configuring the look and feel of the credit report?
A: End-users have the ability to fully customize and generate
their own credit report based on the XML data provided. As a more practical
alternative, CreditAPI provides over 30 predefined customizable templates that
could be used to structure the order and grouping of data that are shown on the
Q: Are there fraud detection products that can be
ordered along with the credit report?
A: Yes. Each bureau has its own add-on product that scan for
discrepancies with the inputted data. For example, SSNs are checked to make
sure it doesn't belong to a deceased person and that it matches with what the
bureaus have in their database.
Q: Are FICO scores accessible via CreditAPI?
A: Yes, FICO scores can be ordered from the bureaus. FICO
scores are generally only available for credit granting purpose.