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

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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 allows platforms to access credit reports, credit scores, and borrower credit history 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 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.

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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.

User Initiates

User initiates credit check.

OTP Consent

Mobile OTP-based consent is completed.

Authenticate

User is securely authenticated.

Fetch via Equifax

Credit data is fetched via Equifax.

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.

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Developer Preview

See how the consent-based credit access flow works end to end.

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 & 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.

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Underwriting & Risk Analysis

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

Seamless API Integration

Deepvue APIs are designed for enterprise-grade integration.

Typical integrations

Initiate credit check

Complete user consent flow

Fetch credit data via API

Integrate into underwriting systems

Power your lending stack with Equifax data.

Consent-driven. Enterprise-grade. Production-ready.

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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.

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 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.

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