01
FICO and Vantagesoft or hard inquiries
CRS provides comprehensive access to soft and hard credit report data from all three major bureaus: Equifax, Experian, and TransUnion. Fintechs and lenders use this data to render immediate, informed credit decisions through workflows built for efficient underwriting and full compliance with permissible purpose requirements.
"requestData": { "firstName": "J"
"lastName": "SMITH"
"middleName": "FRANK"
"ssn": "666321234"
"addresses": [
"borrowerResidencyType": "Current"
"addressLine1": "1234 ELM STREET"
"city": "SPRINGFIELD"
"state": "IL"
"postalCode" : "62704"
] } , "repositoryIncluded": { "transunion": true,
"experian": false, "equifax": false } ,
"responseDetail": { "dateRequested":- 01.1Pull soft or hard credit reports from all three bureaus during intake, without leaving your case management system
- 01.2Support creditor discovery and asset and liability verification from a single request, instead of assembling it from separate sources
- 01.3Keep structured, source-attributed outputs that support documentation trails across high-volume caseloads



