Pull consumer credit reports powered by Equifax through a single API. Credit scores, trade lines, public records, and risk indicators — delivered in real-time.
Direct Equifax integration. Simple API. No middlemen.
Pull credit reports in real-time via API. No batch processing, no waiting. Results returned in seconds.
Direct integration with Equifax — one of the three major credit bureaus. Reliable, comprehensive data you can trust.
FCRA-compliant credit pulls with permissible purpose verification. Audit trails and consent management built in.
Every report includes the full Equifax credit file with scores, history, and risk indicators.
Equifax credit score with score factors and risk indicators to support lending decisions.
Full trade line history including open accounts, balances, payment history, and credit utilization.
Collections, charge-offs, bankruptcies, liens, and judgments with dates and amounts.
Hard and soft inquiry history showing who has accessed the consumer's credit file.
Bankruptcies, civil judgments, and tax liens from public record sources.
Total accounts, total balances, credit limit utilization, and account age analysis.
Three steps to pull a credit report through the Credo API.
Send the consumer's name, SSN, date of birth, and address through our API. Consumer consent is required and tracked.
Credo connects directly to Equifax and retrieves the full credit file in real-time. No batch processing.
Receive the complete credit report with score, trade lines, public records, and risk factors via API response or webhook.
Combine credit reports with background screening and identity verification for a complete risk assessment — all through one API, one dashboard, one integration.
Pulling consumer credit reports requires FCRA compliance. Credo handles the heavy lifting — permissible purpose verification, consent management, dispute handling, and audit trails are all built into the platform.
We verify your permissible purpose during onboarding. Only authorized use cases can pull reports.
Built-in consent tracking with timestamps and audit trails for every credit pull.
Credit data is encrypted in transit and at rest. Access controls and logging for every request.
Consumer dispute handling workflows compliant with FCRA requirements.
Credo is a certified Equifax reseller. Reports are pulled directly from Equifax systems with full bureau-level data quality.
Contact us to get set up with Equifax credit reporting through the Credo API.