--- url: https://deepvue.ai/credit-bureau-api/ title: "Credit Bureau API | Equifax Reports & Scores | Deepvue" description: "Pull Indian credit reports, scores & risk signals from Equifax via consent-led API. Power underwriting, risk scoring & lending decisions in seconds." last_modified: 2026-06-01T13:45:34.483Z --- 1. [API Infrastructure](/#platform) 2. Credit Underwriting 3. Credit Bureau Credit Bureau API · Equifax Powered # Equifax Credit Bureau API for Credit Reports, Score & *Risk Analysis* Access credit bureau outputs, including credit reports and scores, through consent-driven workflows using Deepvue’s Credit Bureau API powered by Equifax. Built for underwriting, risk assessment, and lending decision workflows [Start for Free](https://dashboard.deepvue.ai/sign-up) [Book a Demo](/demo/) ## Trusted by Platforms Building *Lending* & Credit Decision Systems Organizations across fintech and financial services use Deepvue APIs to power credit underwriting and risk analysis. ![DollarPe](/logos/kyc/dollarpe.png) ![iMocha](/logos/kyc/imocha.png) ![Lark Finserv](/logos/kyc/lark-finserv.png) ![NAMCO Bank](/logos/kyc/namco-bank.png) ![Nest](/logos/kyc/nest.png) ![SafeTree](/logos/kyc/safetree.png) ![SwitchMyLoan](/logos/kyc/switchmyloan.png) ![Times Internet](/logos/kyc/timesinternet.png) ![Yenmo](/logos/kyc/yenmo.png) ![DollarPe](/logos/kyc/dollarpe.png) ![iMocha](/logos/kyc/imocha.png) ![Lark Finserv](/logos/kyc/lark-finserv.png) ![NAMCO Bank](/logos/kyc/namco-bank.png) ![Nest](/logos/kyc/nest.png) ![SafeTree](/logos/kyc/safetree.png) ![SwitchMyLoan](/logos/kyc/switchmyloan.png) ![Times Internet](/logos/kyc/timesinternet.png) ![Yenmo](/logos/kyc/yenmo.png) ![DollarPe](/logos/kyc/dollarpe.png) ![iMocha](/logos/kyc/imocha.png) ![Lark Finserv](/logos/kyc/lark-finserv.png) ![NAMCO Bank](/logos/kyc/namco-bank.png) ![Nest](/logos/kyc/nest.png) ![SafeTree](/logos/kyc/safetree.png) ![SwitchMyLoan](/logos/kyc/switchmyloan.png) ![Times Internet](/logos/kyc/timesinternet.png) ![Yenmo](/logos/kyc/yenmo.png) digital lending and underwriting workflows credit risk assessment and decisioning borrower profiling and analysis financial data enrichment platforms performing large-scale credit pulls digital lending and underwriting workflows credit risk assessment and decisioning borrower profiling and analysis financial data enrichment platforms performing large-scale credit pulls digital lending and underwriting workflows credit risk assessment and decisioning borrower profiling and analysis financial data enrichment platforms performing large-scale credit pulls ## What is a Credit Bureau API? A Credit Bureau API allows platforms to access credit reports, credit scores, and borrower credit history for underwriting and risk assessment. [Explore API Documentation](https://docs.deepvue.ai/reference/financial-services/credit-bureau/equifax/introduction) This API is commonly referred to as Credit Bureau APICredit Report APICredit Score APICredit Data API Organizations use this API to fetch credit reports retrieve credit scores analyze borrower credit history automate underwriting workflows The **Deepvue Credit Bureau API** enables consent-driven access to Equifax credit data for lending and risk workflows. ## Equifax Credit Bureau Integration Deepvue provides **authorized access to Equifax credit bureau data**. Authorized Equifax Partner Verified This enables Credit Data Credit report retrieval Credit score access Borrower credit analysis Structured credit data in API format All workflows are built with **user consent-based access mechanisms**. ## Why Credit Bureau Data Matters Credit bureau data is essential for assessing borrower risk, evaluating repayment behavior, and determining creditworthiness. Manual or fragmented access leads to slow lending processes inconsistent underwriting poor risk decisions The Credit Bureau API enables faster loan approvals consistent underwriting data-driven risk decisions Credit reports. Scores. Risk signals. One API. Consent-driven Equifax integration for lending and underwriting workflows. [Start for Free](https://dashboard.deepvue.ai/sign-up) [Talk to a Specialist](/demo/) ## What This API Enables The Deepvue Credit Bureau API enables organizations to: Retrieve Credit Bureau Outputs retrieve credit bureau outputs through consent-driven workflows Access Credit Scores access credit scores within authorized flows Analyze Repayment Behavior analyze repayment behavior and history Assess Borrower Obligations assess borrower obligations and liabilities Support Underwriting & Decisioning support underwriting and decisioning systems ## Consent-Based Credit Access Flow The process is initiated as part of an end-user consent journey secured and controlled by Deepvue’s authorized gateway. 01 User Initiates User initiates credit check. 02 OTP Consent Mobile OTP-based consent is completed. 03 Authenticate User is securely authenticated. 04 Fetch via Equifax Credit data is fetched via Equifax. 05 Structured Response Structured response is returned to your system. OTP consent. Equifax data. Instant response. End-to-end credit bureau access in a single API flow. [Start for Free](https://dashboard.deepvue.ai/sign-up) [View Documentation](https://docs.deepvue.ai/reference/) ## Developer Preview See how the consent-based credit access flow works end to end. API Request POST /v1/financial-services/credit-bureau/equifax { "mobile": "", "consent\_token": "" } Input Parameters mobile string — user mobile number consent\_token string — OTP-based consent token API Response (Simplified) { "credit\_score": 742, "loan\_accounts": \[{ "type": "Personal Loan", "status": "Active", "outstanding": 120000 }\], "recent\_enquiries": 3, "repayment\_history": "Good", "dpd\_summary": "0 DPD" } ## Credit Data & Insights Available The API provides comprehensive credit data for underwriting and risk analysis. NUMBER Credit Score Equifax credit score OBJECT Detailed Credit Report Full credit bureau report ARRAY Loan Account Summaries Active and closed accounts STRING Repayment History Repayment behavior and patterns NUMBER Recent Enquiries Credit inquiry count OBJECT Obligation Analysis Outstanding liabilities STRING DPD Analysis Days Past Due summary OBJECT Borrower Profile Complete credit profile Response fields may vary depending on bureau coverage, consent scope, and integration configuration. Score. Report. Risk signals. All in one pull. Equifax-powered credit data for every lending decision. [Start for Free](https://dashboard.deepvue.ai/sign-up) [View Documentation](https://docs.deepvue.ai/reference/) ## Underwriting & Risk Analysis The API enables credit risk assessment, underwriting decisioning, borrower assessment, and credit risk evaluation. The API enables: credit risk assessment underwriting decisioning borrower assessment credit risk evaluation This supports **lending platforms, NBFCs, and fintech underwriting systems**. ## Seamless API Integration Deepvue APIs are designed for enterprise-grade integration. Typical integrations 1 Initiate credit check 2 Complete user consent flow 3 Fetch credit data via API 4 Integrate into underwriting systems Power your lending stack with Equifax data. Consent-driven. Enterprise-grade. Production-ready. [Start for Free](https://dashboard.deepvue.ai/sign-up) [Talk to a Specialist](/demo/) ## Integration Features & Key Capabilities Everything you need to integrate, test, and scale credit bureau workflows. Integration Features REST API Architecture Standard REST endpoints. Consent-Based Flow OTP-driven user consent for every pull. Structured Credit Data (JSON) Normalized credit data for system use. Scalable Infrastructure & Audit Logs Enterprise-grade lending infrastructure. Key Features Equifax Credit Bureau Access Authorized access to credit data. Real-Time Credit Bureau Outputs Fetch credit reports instantly via consented workflows. Detailed Credit Analysis Understand repayment behavior and obligations. Underwriting-Ready Data Integrate directly into decision systems. ## Who Uses This API From lending platforms to embedded finance — credit bureau data for every underwriting workflow. Lending Platforms Assess borrower creditworthiness. NBFCs & Financial Institutions Automate underwriting workflows. Fintech Companies Enable digital lending systems. Credit Risk Systems Analyze borrower profiles and risk. Embedded Finance Platforms Integrate credit decisioning. ## Compliance & Data Governance Deepvue provides infrastructure to enable credit bureau access workflows through authorized integrations and consent-driven mechanisms. Credit bureau outputs are accessed via authorized Equifax partnerships user-consented workflows initiated by the requesting organization compliant system integrations These APIs are intended for use in underwriting and lending workflows credit risk assessment onboarding and verification processes Deepvue does not act as a data fiduciary for independent credit profiling and does not claim ownership of credit bureau datasets. Deepvue does not independently initiate credit data access and only facilitates processing within consent-driven workflows. Applicable regulations Digital Personal Data Protection Act (DPDP), 2023 Data protection & privacy Information Technology Act, 2000 Electronic governance & cybersecurity All API interactions are protected using encryption, access controls, and audit logging. Customers are responsible for ensuring lawful usage, including obtaining valid user consent and complying with applicable regulations. ## Flexible API Pricing Deepvue APIs are designed to scale with your credit data usage. Pricing typically depends on number of credit reports pulledAPI usage tiersintegration requirements For organizations evaluating credit bureau API pricing or Equifax API cost, our team provides customized pricing. [Start for Free](https://dashboard.deepvue.ai/sign-up) [Request Pricing](/demo/) ## Frequently Asked Questions Common questions about credit bureau API integration, Equifax access, and pricing. What is a Credit Bureau API? A Credit Bureau API is a programmatic interface that lets lending platforms fetch a borrower’s credit report and credit score directly from a bureau like Equifax after capturing consent. It replaces manual bureau pulls with real-time JSON responses containing loan accounts, outstanding balances, repayment history, and DPD summaries used in underwriting and risk scoring. Does this API provide Equifax credit data? Yes. Deepvue has an authorized partner integration with Equifax and returns Equifax-sourced credit reports, scores, loan account summaries, and enquiry history through a single REST endpoint. All responses are fetched live, not cached, so the data reflects the borrower’s current state at the bureau. Is this a CIBIL API? Deepvue’s credit bureau API is powered by Equifax, not CIBIL. The underlying data sources differ, though both are RBI-licensed credit information companies. For CIBIL-specific data you would need a bureau partnership with TransUnion CIBIL. Teams usually pick a bureau based on portfolio fit, coverage for the borrower segment, and pricing. How is user consent handled? Consent is captured via a mobile OTP flow before any bureau pull. The borrower enters the OTP sent to their registered mobile number, a consent token is generated, and the token is passed with the API request. This satisfies RBI’s consent-before-pull requirement under the fair practices for digital lending and is logged for audit. What is credit bureau API pricing? Credit bureau API pricing is usage-based, tied to the number of credit pulls (score pulls and full-report pulls are usually billed separately) plus the integration tier. Volume discounts and custom SLAs are available for NBFCs and enterprise lenders. Contact Deepvue for a quote aligned with your expected monthly pull volume. ## Is Deepvue a Credit Bureau API provider? Deepvue is a credit bureau API provider that gives fintech platforms, NBFCs, and digital lenders consent-driven access to Equifax credit data in India. Through a single REST endpoint, the API returns the Equifax credit score, a full credit report with loan accounts and their active or closed status, outstanding balances, recent inquiry count, repayment history, and a DPD (days past due) summary for delinquency signals. Consent is captured via mobile OTP, aligning with RBI’s account aggregator and fair-practice guidelines for digital lending, and every pull is logged for audit. Output is structured JSON, drop-in ready for underwriting engines, borrower risk scoring, and loan origination systems. Deepvue is not a bureau itself, it is an authorized Equifax partner for programmatic access. ## Start accessing credit reports and automating underwriting decisions. Equifax-powered. Consent-driven. Production-ready API. [Start for Free](https://dashboard.deepvue.ai/sign-up) [Talk to a Specialist](/demo/)