Credit Bureau API · Equifax Powered

Credit Bureau API for Equifax Credit Reports, Credit Score & Risk Analysis

Access credit bureau outputs, including credit reports and credit scores, through consent-driven workflows using Deepvue’s Credit Bureau API powered by Equifax — with real-time access to bureau data.

Built for underwriting, risk assessment, and lending decision workflows

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Credit Score

742 · Equifax

DPD Summary

0 DPD · clean

Loan Accounts

active · summary

CREDIT RESPONSE

{
"credit_score": 742,
"repayment": "Good",
"dpd_summary": "0 DPD"
}

Trusted by Platforms Building Lending & Credit Decision Systems

Organizations across fintech and financial services use Deepvue APIs to power credit underwriting and risk analysis.

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 lets platforms access credit reports, credit scores, and borrower credit history from India's credit information companies in real time, for underwriting and risk assessment.

Explore API Documentation

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 financial history, and determining loan eligibility and creditworthiness — the signals every lender needs before disbursal.

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.

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What this API enables

The Deepvue credit bureau API enables organizations to:

Underwrite a borrower in seconds

Pull live Equifax data mid-onboarding and score risk without leaving your app or waiting on a manual bureau request.

Approve, reject, or route on one pull

Drive your lending decision from a single consented call instead of stitching together separate bureau lookups.

Catch credit-hungry applicants early

Spot stacked enquiries and missed payments before approval so risky loans never reach disbursal.

Feed decision engines without cleanup

Normalized JSON drops straight into underwriting and risk-scoring systems, no parsing or reformatting needed.

Stay consent-clean and audit-ready

Every pull runs behind mobile OTP consent and is logged, so each lending decision is defensible later.

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. Consent is withdrawable at any time — withdrawal stops further credit pulls without affecting pulls already lawfully completed.

User initiates

The borrower starts a credit check from your app.

OTP consent

Mobile OTP-based consent is completed, and can be withdrawn by the user at any time.

Authenticate

The borrower is securely authenticated before any credit pull, with authentication tied to the consent token.

Fetch credit data

Credit data is fetched via Equifax.

Structured response

A normalized JSON payload is returned to your system.

OTP consent. Equifax data. Instant response.

End-to-end credit bureau access in a single API flow.

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Developer preview

See how pulling credit data through the consent-based flow works end to end — the full integration process, step by step.

API Request

POST /v1/financial-services/credit-bureau/equifax

{
  "mobile": "<user_mobile>",
  "consent_token": "<otp_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 and insights available

The API provides comprehensive consumer credit data — from loan account data to public records — 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

The response includes dozens of credit data points. 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.

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Underwriting and risk analysis

The API enables credit risk assessment, underwriting decisioning, borrower assessment, and credit risk evaluation.

Integration features and key capabilities

Everything you need for seamless credit bureau integrations — from a comprehensive credit data model to faster lending decisions.

Integration Features

REST API architecture

Standard REST endpoints with SDKs, a developer portal, and a sandbox to test before production.

Consent-based flow

OTP-driven user consent for every pull.

Structured credit data (JSON)

Normalized credit data for system use.

Scalable infrastructure and audit logs

Audit-logged lending infrastructure built to scale.

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 seamlessly into decision systems and lending platforms.

Who uses this API

From lending platforms to embedded finance, credit bureau data for every underwriting workflow.

Lending platforms

Assess borrower creditworthiness.

NBFCs and 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 and 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, supporting regulatory compliance with India's privacy laws and strengthening fraud prevention in lending workflows.

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.

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Frequently asked questions

Common questions about the credit bureau and Equifax API — integration, the developer portal and sandbox, real-time credit scores, how it compares to a CIBIL, Experian, or CRIF High Mark API, 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. The borrower can withdraw consent at any time — as easily as it was given — which stops any further credit pulls without affecting the lawfulness of pulls already completed.

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.

Which credit bureaus can I access — CIBIL, Experian, Equifax, or CRIF High Mark?

India has four RBI-licensed credit information companies (credit bureaus): TransUnion CIBIL, Equifax, Experian, and CRIF High Mark. Deepvue's credit bureau API is powered by Equifax, so every credit report and credit score it returns is Equifax-sourced. Borrower coverage and the scoring model differ across credit information companies, so teams usually pick the bureau API that best fits their lending portfolio. Deepvue focuses on Equifax rather than acting as a multi-bureau aggregator, and the same endpoint supports one-off credit verification as well as recurring credit monitoring use cases.

What is a credit API?

A credit API — also called a credit report API or credit score API — is a programmatic interface for pulling a borrower's credit data from a bureau in real time. It replaces manual credit information company logins with a single consent-driven call that returns the current credit score, a full credit report with loan account data, and repayment history as structured JSON. Lenders use it for instant credit score checks, borrower eligibility, and risk decisioning inside their own lending platform.

Does TransUnion CIBIL have an API?

TransUnion CIBIL exposes credit data programmatically through authorized partners rather than a public self-serve API, much like how Deepvue provides Equifax access. A CIBIL API integration returns the CIBIL score and report; Deepvue's endpoint instead returns Equifax credit data through the same consent-driven request flow. Teams typically choose a bureau on portfolio fit and pricing rather than the API surface.

What is the Experian API and how does it differ?

The Experian API is a credit report API that returns Experian-sourced credit reports and scores. It is one of the four Indian bureaus you can integrate; Deepvue's credit bureau API uses Equifax instead. Every bureau API — Experian, Equifax, TransUnion CIBIL, CRIF High Mark — follows the same pattern: capture consent, pull real-time credit data, and return structured data for underwriting and credit risk decisioning.

How do I integrate the Equifax API?

Integration is a direct REST integration: create your API keys in the Deepvue developer portal, test in the sandbox, then call the endpoint with the consent token. The API documentation covers request and response formats, and the structured JSON drops straight into your backend for a seamless integration. Deepvue provides direct integration with Equifax, so you don't build or maintain a bureau connection yourself. The same endpoint powers web and mobile apps, letting you embed credit checks into any user experience.

Is this a real-time credit score API?

Yes. It works as a real-time credit score API: each consented call returns the current Equifax credit score plus credit score data and the full report, so you get real-time credit scores for credit assessment at the point of decision. It supports both one-off personal credit checks and historical credit trends for risk models, with no cached or stale data. The API can provide credit reports and generate credit scores and reports together, automate credit decisions, and handle report generation for both new credit and existing borrowers — with direct access over compliant data channels.

Which is better for lending — CIBIL or Equifax?

Neither bureau is universally better; a CIBIL report and Equifax data differ in borrower coverage and scoring model. Lenders often compare the two for the same borrower before deciding. Deepvue's API is Equifax-powered and returns accurate credit data over secure communication, keeping financial information secure and compliant with India's data privacy rules.

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. The Equifax API is a direct integration that keeps financial information secure and compliant, with encryption and audit logging across every credit pull. 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.

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