Credit Report

A full, FCRA-permissible hard pull of Experian’s File One®. You receive every tradeline (with the 24-month payment grid), collections, public-record alerts, recent inquiries, ID/OFAC flags and optional FICO® 2/5/4 or VantageScore 4.0—all returned in ≤ 2 s through the v6 XML/JSON API Hub, MISMO feed, SFTP batch or the Experian Access web console. Because the request is coded “credit-extension,” a hard inquiry is posted on the borrower’s Experian file and is visible to other lenders (may cost 1-5 score points).