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Introduction

The Equifax Credit Report API offers instant, secure access to comprehensive credit reports and scores sourced directly from Equifax, one of India’s leading credit bureaus. This API enables financial institutions, lenders, and fintech companies to obtain detailed credit information for individuals, including repayment history, outstanding loans, credit utilization, and recent inquiries.

Designed to seamlessly integrate into digital lending and risk assessment workflows, the Equifax Credit Report API helps automate credit evaluation, reduce fraud, and accelerate loan approvals. With strict adherence to data privacy regulations and a consent-based approach, it empowers businesses to make smarter, faster credit decisions while ensuring compliance.

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.

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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.

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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?

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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.