Credit Report

A single “credit-extension” request posts a hard inquiry on the borrower’s Equifax file and returns the entire File One® tradeline, inquiry, public-record and alert sections, optional Beacon 9.0 / FICO 5/9 / VantageScore 4.0 scores, and FraudIQ®, OFAC and MLA flags in ≤ 2 s. Delivery options include the ACRO 6.0 XML, MISMO 3.4, JSON (“TotalView/STS”) and SFTP batch. Add-on switches embed 24-month Ignite Trended™ balances, IncomeView, The Work Number® payroll data or Undisclosed-Debt alerts in the same schema—no new endpoint.