"The First Choice in Credit & Screening"


Service your customers and make smarter business decisions by retrieving credit data in XML format via the web, 24/7.

CreditAPI is fast and user-friendly software that provides instant credit reports for businesses to make efficient accurate decisions. By pulling real-time data from Experian, Equifax and Transunion, CreditAPI uses a sophisticated algorithm to merge information from all three bureaus to create an accurate, unified credit report for your customers and your financial institution. CreditAPI also provides near-instant access to VantageScore ratings and FICO scores.

CreditAPI Features

Merge Technology

Our powerful technology pulls credit bureau data within seconds and a sophisticated algorithm balances variations in reports to create a single, highly accurate credit report. Credit information is pulled from all major credit bureaus:

  • Experian
  • Equifax
  • Transunion

Transition Quickly and Smoothly

Financial institutions who are current subscribers or already authorized by the three credit bureaus can integrate CreditAPI in as few as one-to-five business days. We provide sample code and a protected testing environment for error-free development and a seamless transition.

Easy Data Retrieval

CreditAPI simply requires web access and requests sent via HTTPS with 128-bit SSL encryption to gain near-immediate access to credit reporting from all three bureaus plus VantageScore and FICO scores. Retrieve data in XML format and use with other supported data types: HTML, MISMO, PDF, TEXT, and X12.


Configure reports to structure and order data your way. Or choose from our 30+ predefined, customizable templates to display the information you need, quickly and easily.

Responsive Support

Our client-focused support staff responds quickly and attentively throughout setup, launch, and ongoing usage. By gaining a thorough understanding of your institution and customer needs, we can anticipate challenges and put systems in place to protect you and ensure your service runs smoothly.

Contact Mike Thomas,mthomas@ciccredit.com for more information.