How to Pull a Credit Report via API
Fetch a consumer credit score and report programmatically for underwriting — consent-first, across the major Indian bureaus.
A credit report is the backbone of any lending decision. In India, reports come from four bureaus — TransUnion CIBIL, CRIF High Mark, Experian and Equifax. A credit API lets you pull a score and report in real time, with the borrower's consent, and feed it straight into your underwriting.
Consent comes first
Credit data is sensitive and regulated. You must capture the consumer's explicit consent before fetching their report, and record it for your audit trail. A well-designed credit API expects consent on every request.
What a credit report gives you
- A credit score (the bureau's headline number).
- Active and closed loan and card accounts.
- Repayment history and days-past-due signals.
- Recent enquiries and total outstanding balances.
Score check vs full report
If you only need a quick risk gate, a credit score check returns just the headline score. For full underwriting you pull the complete report — often delivered as structured data plus a downloadable PDF for your records.
Lending use cases
- Pre-qualification — a fast score check to gate applications.
- Underwriting — the full report feeding your credit policy.
- Portfolio monitoring — periodic re-pulls on existing borrowers.