Understanding the Credit Score API

Web APIs are one of the most effective tools in the modern world, but they are often misunderstood. Basically, the application programming interface fulfills a very simple function: pull information from a server-side database and simply display this information on a user interface. However, functional APIs can provide much more information than a raw data dump.

Modern APIs usually offer a variety of different filtering options, clear user interfaces, and relatively simple integration that allows developers to set up an incredibly effective and largely self-managing tool. CRP’s Credit Score API takes the basics of an API and applies them to personal credit information. That makes it a natural choice for landlords and lenders, but it can be beneficial to a surprisingly wide number of businesses. This is how the Credit Score API works

Draw from all offices

When choosing a credit report, there are three major credit reporting agencies to choose from: Equifax, TransUnion, and Experian. Each of these brands offers their own APIs, but each agency has many blind spots. Because these different companies have different connections and policies, and don’t tend to share this information with the competition, often the only way to get the bigger picture is by getting reports from all three agencies.

That means you have to manage three separate APIs when using these first-party solutions. CRP draws information from all three services but offers flexibility in deciding whether to submit reports. You can choose the offices you draw from or get all three at once. Whichever route you take, the API can fully process your request and return you comprehensive results in seconds.

Records that go beyond credit

Credit only tells part of the story. While credit appears to be the primary focus of the CRP API, they also rely on LexisNexis’ extensive databases to access public records and reports that can add a whole new dimension. That means you can delve deeper into the criminal and arrest logs of people you review to keep your tenants or employees safe. The records include both watch lists and national criminal records, as well as pending arrest warrants.

There is also a lot of information on home ownership issues. Whether you’re looking for pending land charges, property records, or flood compliance reports, all of this data can be accessed through the CRP API. This information can help fill in the loopholes credit reports don’t cover and provide additional context that extends well beyond your outstanding credit card debt.

An orderly approach made to measure

Whether you just want to rent out a handful of small apartments or rent for a national corporation, the Credit API can be admirably scaled to suit your needs. The very fast processing makes it suitable for processing large amounts of data. However, the custom software-as-a-service approach to the API allows you to customize a plan that is tailored to your practical and tax needs.
This sense of orderly flexibility extends to the functions available here as well. 30 different templates are immediately available, all of which can be customized to meet the needs of a particular company. And because this API is designed to be as responsive as possible, it can be easily deployed as a few lines of code on your website or tightly integrated into your complex internal app. The breadth and depth of the credit report API makes it one of the most cost-effective tools for doing credit and background checks.

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