Products / Tri-bureau credit API
CRS One
Tri-bureau credit API with one data format
The CRS tri-bureau credit API connects you to Equifax, Experian, and TransUnion through one integration. CRS Standard Format returns every bureau in the same schema.
Your team parses one structure instead of three, and never builds bureau-specific normalization.
- Equifax
- CRS Standard Format
- Experian
- CRS Standard Format
- TransUnion
- CRS Standard Format
For decision engines and modern apps.
At a glance
Last updated: October 2026
- Data format
- CRS Standard Format.One schema across every bureau.
- Bureaus
- Equifax, Experian, and TransUnion
- Integration
- One APIfor all three bureaus.
- Pull options
- One, two, or three bureausper request.
- Response time
- Under 2 secondsfor a single-bureau pull.
- Output
- JSON, XML, PDF, and MISMO.
- Inquiry type
- Soft or hard,switched with one flag in the same schema.
- Failover
- Switch bureausif your primary is down, with no new integration.
- Also available
- Identity, fraud, and public records data.
- Uptime
- 99.9%
- Security
- SOC 2 Type II Certified
The problem
Bureau formats are the hard part
Each bureau returns credit data in its own structure.
Field names differ. Code values differ. The same tradeline arrives in three shapes.
Teams that integrate directly write and maintain mapping logic for every bureau.
CRS Standard Format does that mapping once, so your team doesn’t inherit it.
Why CRS
Why teams build on CRS Standard Format
No normalization work
CRS aggregates every bureau into one format. Your team doesn’t inherit ETL or mapping logic.
Built-in failover
One integration works for all three bureaus. If your primary is down, switch to another.
Production-grade
99.9% uptime, SOC 2 Type II certification, and US-based support.
Developers
For developers
One endpoint covers all three bureaus and both inquiry types. The response schema stays the same, whichever bureau answers. Docs, sample code, and a sandbox help you build before production access.
- Build and test in the sandbox
- Read the API documentation
- Start from sample code
- Run permissible purpose vetting in parallel
Integrate once. Read every bureau the same way.
See CRS Standard Format with your own use case.
FAQ
What is a tri-bureau credit API?
A tri-bureau credit API returns credit data from Equifax, Experian, and TransUnion through one integration. CRS adds CRS Standard Format, which maps every bureau into the same schema. Your application reads one structure instead of three bureau-specific formats. That removes the mapping work your team would otherwise maintain.
Can I choose which bureaus to pull?
Yes. Each request names the bureaus you want: one, two, or all three. CRS routes the request to each bureau you named. Every response comes back in CRS Standard Format, so your code reads the same fields either way.
What is CRS Standard Format?
CRS Standard Format is a common data format across all three bureaus. It maps each bureau’s fields into one consistent schema. It is available as JSON, XML, and PDF, with MISMO for mortgage systems. Your code handles every bureau the same way.
Can I get tri-bureau credit data in JSON?
Yes. CRS returns tri-bureau data as JSON in CRS Standard Format. The same data is also available as XML, PDF, and MISMO. Teams typically use JSON for decision engines and PDF for human review and record keeping. Every format uses the same CRS Standard Format fields.
What other data can I get through CRS?
The tri-bureau API covers Equifax, Experian, and TransUnion. Beyond those three bureaus, CRS also offers identity, fraud, and public records data. Ask our team which data sets fit your use case.
What happens if a bureau is down?
Because one integration works for all three bureaus, you can switch to another bureau if your primary is down. There is no second integration to build. CRS also maintains 99.9% uptime across the platform. Your application keeps reading the same CRS Standard Format fields.
How fast does the tri-bureau API respond?
A single-bureau pull returns in under 2 seconds. For two- or three-bureau requests, CRS calls each bureau you named and normalizes every response. Ask our team about timing for multi-bureau pulls.