Ask YC: Automated ways to perform credit check?

7 points by davidu 16y ago ↗ HN

I've been googling looking for APIs to automate credit checks of people and businesses submitting applications to a finance related website but haven't had much luck.

Has anyone in the Web2.0 space seen or heard of such a service that would provide an API and structured credit reporting data?

The only thing I've been able to find is: http://www.strikeiron.com/Catalog/ProductDetail.aspx?pv=2.0.0&pn=Cortera+Credit+Pulse

That looks okay -- and pricing isn't too crazy -- but was wondering if folks knew of anything else out there?

5 comments

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davidu 16y ago ↗

URL: http://www.strikeiron.com/Catalog/ProductDetail.aspx?pv=2.0....

AmberShah 16y ago ↗

I worked at a place that used: 1) Hart Software http://www.hartsoftware.com/view/ 2) A service directly from Experian

Neither of these are Web 2.0 type solutions, but they certainly worked...

mhendrick 16y ago ↗

It's not "cheap" for a license, but I looked into this company a few years back when I was thinking about getting into the space, and it seemed pretty reputable. Haven't reviewed the documentation in great detail; however, it still might be worth a look. http://creditengine.net

[deleted] 16y ago ↗

(comment deleted)

[dead] omarchowdhury 16y ago ↗

Getting access to raw data of consumer credit reports requires you to register a subcode directly with the bureaus, with a permissible purpose as your intent.

I've sent you an email to a person who can help you get registered with Experian (you can get the consumer and business reports through this contact). It's a lengthy process.