Paperless Process To Get the Equifax Credit Bureau Report

A Comprehensive Solution for financial credits details verification to provide the loan and advances securely to your customer's with Enhanced Due Diligence.

A Comprehensive Identity and Business Verification for your business with Enhanced Due Diligence.

Key Benefits of Using IDSPay’s Equifax Report API
✅️ Verified data directly from Equifax
✅️ 99.9% uptime with secure authentication
✅️ Developer-friendly API documentation
✅️ Ideal for NBFCs, fintech startups, digital lenders, and microfinance companies

Get API Key Contact Sales Create API Account

Introduction

The Equifax Credit Report API from IDSPay enables lending platforms, NBFCs and financial services to seamlessly integrate real-time credit bureau data from Equifax India. With this robust API you gain access to comprehensive credit reports, individual credit scores, repayment history, outstanding loans, credit utilisation and inquiry records — all retrieved in seconds.

Ideal for fintech companies and digital lenders, the Equifax Credit Report API supports fast onboarding, precise risk assessment and automation of credit decision-making. Built for security, scalability and compliance, IDSPay’s integration of the Equifax Credit Report API ensures your institution enjoys trusted data, minimal defaults, and superior operational efficiency.

Unlock powerful credit insights with the Equifax Credit Report API to improve risk management and enhance customer experience.

Benefits of Equifax Credit Report API

Real-Time Credit Insights

Access up-to-date credit reports and scores instantly for informed decision-making.

Trusted Credit Data

Utilizes reliable data directly from Equifax, a leading credit bureau.

Automated Credit Evaluation

Streamlines lending workflows with automated credit report retrieval.

Comprehensive Credit Information

Includes repayment history, loan details, credit utilization, and inquiry records.

Blog

What Is Equifax Credit Report API , and Why Use It?

The Equifax Credit Report API is a secure, consent-based service that provides real-time access to an individual's credit report and credit score from Equifax, one of India’s leading credit bureaus. It delivers detailed credit information including repayment history, outstanding loans, credit utilization, and recent credit inquiries.

SecureVerify

Equifax Credit Report API

Key features of Equifax Credit Report API

Instant Credit Report Access

Provides real-time retrieval of credit reports and scores from Equifax.

Consent-Based Data Access

Requires explicit user consent to ensure compliance with regulatory guidelines.

Comprehensive Credit Data

Includes credit score, repayment history, loan accounts, credit utilization, and inquiry records.

PAN-Based Lookup

Uses Permanent Account Number (PAN) for precise identification and credit report retrieval.

Frequently asked questions?

Still have any question? Please contact our sales team

Contact our sales team

What is the Equifax Credit Report API?

It is a secure API that allows businesses to retrieve real-time credit reports and scores for individuals directly from Equifax, based on user consent.

What data is included in the credit report?

The report includes credit score, repayment history, current and past loans, credit utilization, and recent credit inquiries.

Is user consent required to fetch the report?

Yes, user consent is mandatory and must be obtained before accessing any credit information.

Can I use this API for bulk credit checks?

Yes, the API supports both individual and bulk (batch) credit report retrievals.

Is the data secure?

Absolutely. All data transfers are encrypted and compliant with data protection regulations.

How long does it take to get a credit report response?

The API delivers credit reports in real-time, typically within a few seconds.