Experian

Market: US

Business Capabilities

Evaluate the creditworthiness of individuals or companies to support lending and credit decisions. The connector retrieves consumer credit profiles from Experian, including credit scores, trade lines, public records, and inquiry history. Optional add-ons include risk models (VantageScore, FICO), fraud shield indicators, and profile summaries for automated decisioning.

Exposed Endpoints

Credit report (POST /api/experian/v1/credit-report) - Retrieves a consumer credit profile based on personal information such as the applicant's name, date of birth, SSN, and address. Optional add-ons include risk models, fraud shield, and summaries.

Vault Configuration

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token.config={"username":<username>,"password":<password>,"client_id":<clientId>,"client_secret":<clientSecret>}
token.url=https://uat-us-api.experian.com/oauth2/v1/token
credit.report.url=https://uat-us-api.experian.com/consumerservices/credit-profile/v2/credit-report

NOTE
Find API request structures and samples for Experian connector in the Community.

Request Structures and Samples

Sample request:

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{
  "consumerPii": {
    "primaryApplicant": {
      "name": { "lastName": "DOE", "firstName": "JANE", "middleName": "S" },
      "dob": { "dob": "1957" },
      "ssn": { "ssn": "666104145" },
      "currentAddress": {
        "line1": "2640 3RD ST",
        "city": "HARRISBURG",
        "state": "PA",
        "zipCode": "17110"
      }
    }
  },
  "requestor": { "subscriberCode": "5991729" },
  "vendorData": { "vendorNumber": "072", "vendorVersion": "V1.29" },
  "addOns": {
    "riskModels": { "modelIndicator": ["F9", "B4", "V4", "BP"] },
    "summaries": { "summaryType": ["Profile Summary"] },
    "fraudShield": "Y",
    "mla": "Y",
    "ofacmsg": "Y"
  }
}

Error Codes

Code	Description
200	JSON response returned.
400	Invalid request data.
401	Unauthorized.
403	Request forbidden.
404	Data not found.
500	Internal Server Error.
504	Timeout.