Get compliant access to credit scores, tradelines, and income data—no manual uploads or third-party delays. Power smarter lending decisions from day one.
Full Credit File
Pull the complete credit report—scores, tradelines, inquiries, balances, and adverse reason codes—delivered as developer‑ready JSON.
Income & Employment Check
Verify pay rate, tenure, and job status in the same call with data, eliminating the need for a second vendor or manual pay‑stub review.
Fraud & Compliance Flags
Get built‑in alerts, screening, and checks so your team stays FCRA‑compliant while catching identity risks before they hit your portfolio.
LendAPI provides credit reports with clear, actionable metrics, so underwriters spend less time decoding PDFs and more time funding great borrowers.
Instant Risk Visibility
Pull a full credit file—score, tradelines, inquiries, fraud flags—in seconds. Underwriters see a borrower’s complete credit picture right inside their LendAPI workflow, accelerating approvals and reducing manual look‑ups.
Deeper Attribute Set
Access 250 + data points such as utilization by trade type, thin‑file indicators, and time‑since‑last‑delinquency. Richer variables feed your decision engine, producing more precise risk segmentation and lower default rates.
Softpull & Hardpull pipeline
Pre‑qualify applicants with a softpull that won’t impact their credit; convert to a hardpost only when you’re ready to fund. This two‑step flow boosts application volume while preserving consumer trust—and it’s controlled by a single API flag.
Lower Cost of Acquisition
Bureau pricing with consolidated billing means you spend less per pull and eliminate separate vendor invoices. Savings drop straight to your customer‑acquisition cost line, freeing the budget for growth initiatives.
Frequently Asked Questions
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