One credit API. All three bureaus. Every score model your team runs on.
Consumer credit, business credit, FICO and VantageScore models, identity, fraud, and public records. Delivered through a single integration in one consistent format.
Three bureaus. Three contracts. Three data formats.
Going direct means negotiating with each bureau separately. Then credentialing with each one. Then mapping three different schemas into something your decision engine can actually read.
And credit alone is rarely enough. Identity, fraud signals, public records, and business data all arrive from separate vendors in separate formats.
The integration work is not the product you set out to build. It is the tax you pay before you can build it.
Pull consumer credit reports and scores from any bureau, or all three, through one endpoint.
Run soft inquiries for prequalification and hard inquiries for underwriting on the same integration.
Add business credit, identity verification, fraud, and public records without contracting another vendor.
Receive one consistent response format, so your mapping logic does not change per bureau.
WHAT YOU CAN PULL
The data behind the decision, from one endpoint.
Availability varies by bureau, product, and permissible purpose.
- Credit reports and scores
- Consumer credit reports
- Soft inquiries
- Hard inquiries
- Tri-merge
- Business credit reports
- Credit monitoring
- Batch portfolio monitoring
- Score models
- FICO 8
- FICO 9
- FICO 10
- FICO Auto Scores
- FICO Classic
- Fair Isaac Risk Model v2 and v3
- VantageScore 3.0
- VantageScore 4.0
- FICO SBSS
- Intelliscore
- Trended data
- Identity, fraud, and add-ons
- Identity verification
- Fraud Shield
- OFAC
- Income Insight
- Income verification
- Bankruptcy Plus Score
- Public records
- Background checks
WHY CRS
Most soft pull providers stop at the soft pull.
If you later need identity verification, fraud signals, business credit, or portfolio monitoring, a single-product provider means a second vendor and a second compliance relationship.
Integrate, or skip the integration entirely.
Not every team has engineering capacity on day one. Both paths run on the same credentials and the same data.
Read the docs before you talk to anyone.
Design for developers.
JSON responses, a consistent schema across bureaus, and documentation your team can evaluate today. No gate, no form.
curl --location --request POST ‘https://api-sandbox.stitchcredit.com:443/ap
--header ‘Content-Type: application/json’ \
--header ‘Accept: *’ \
--header ‘Authorization: Bearer eyJhbGciOiJIUzUxMiJ9.eyJzdWIiOiJkNzdjOWYzNS0 --data-raw ‘{
“lastName”: “YCSWL”,
“middleName”: “”,
“firstName”: “ASAD”,
“state”: “CA”, "consumerIdentity": {
"dob": {
"day": "20",
"month": "02",
"year": "1982"
},
"name": [
{
"firstName": "ASAD",
Tell us what you are building.
We will map the right bureaus, score models, and inquiry types to your flow before you write a line of code.
FAQ
Do we need to be a Credit Reporting Agency ourselves?
No. CRS is the licensed CRA. You are credentialed as an end user under a permissible purpose, and our compliance team runs that process for you.
How long does it take to get live?
Most customers are credentialed and integrated in roughly two weeks. Bureau vetting is usually the longest step, and we manage it.
What does vetting actually involve?
Standard items include a letter of intent, photo ID for the signer, and in some cases a site inspection. We provide the checklist upfront.
We already have a bureau contract. Does that go away?
Not necessarily. Some customers keep an existing relationship and use CRS for the sources and products that contract does not cover.
Can we test before committing?
Yes. Sandbox access and full API documentation are available so your team can validate response formats before going live.
What if we do not have engineering resources?
Credit reports can also be ordered through a secure web portal. No integration work required to start pulling data.
Is there a minimum volume?
CRS is built for businesses pulling credit at consistent volume. If you need a handful of reports per year, we will tell you honestly.