CRS Credit API

aid: crs-credit-api
url: https://raw.githubusercontent.com/api-evangelist/crs-credit-api/refs/heads/main/apis.yml
kind: contract
name: CRS Credit API
description: CRS Credit API delivers credit data-as-a-service for fast, compliant financial decisioning. The platform aggregates
  consumer and business credit, identity, fraud, and public records data from major bureaus (Equifax, Experian, TransUnion,
  LexisNexis, CIC, PitchPoint) through a single contract and developer interface.
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Credit
- Consumer Credit
- Business Credit
- Identity
- Fraud
- Data
access: 3rd-Party
position: Consuming
specificationVersion: '0.19'
created: '2024-11-14'
modified: '2026-04-28'
apis:
- aid: crs-credit-api:credit-data-api
  name: CRS Credit Data API
  description: Single-contract API providing access to consumer and business credit reports across major bureaus (Equifax,
    Experian, TransUnion). Supports soft and hard credit pulls, FICO and Vantage scoring models, and public record data. Documentation
    is published via Redocly.
  humanURL: https://crscreditapi.redoc.ly/
  baseURL: https://api-sandbox.stitchcredit.com
  tags:
  - Credit
  - Consumer Credit
  - Business Credit
  - Bureau
  - REST
  properties:
  - url: https://crscreditapi.redoc.ly/
    type: Documentation
  - url: https://crscreditapi.com/
    type: Website
- aid: crs-credit-api:credit-monitoring-api
  name: CRS Credit Monitoring API
  description: API powering the eCredit Monitoring service for continuous consumer credit monitoring including alerts on credit
    profile changes.
  humanURL: https://crsecreditmonitoringapi.redoc.ly/
  tags:
  - Credit Monitoring
  - Alerts
  - Consumer Credit
  properties:
  - url: https://crsecreditmonitoringapi.redoc.ly/
    type: Documentation
- aid: crs-credit-api:data-furnishing-api
  name: CRS Data Furnishing API
  description: API for furnishing data to credit bureaus. Currently announced as coming soon on the CRS developer portal.
  humanURL: https://crscreditapi.redoc.ly/developer-portal/data-furnishing/
  tags:
  - Data Furnishing
  - Bureau Reporting
  properties:
  - url: https://crscreditapi.redoc.ly/developer-portal/data-furnishing/
    type: Documentation
features:
- name: Multi-Bureau Coverage
  description: Aggregates Equifax, Experian, TransUnion, LexisNexis, CIC, and PitchPoint into one API contract.
- name: Soft and Hard Credit Pulls
  description: Supports both soft inquiries that do not affect credit and hard inquiries used for underwriting.
- name: FICO and Vantage Scores
  description: Returns standard FICO and Vantage credit score models alongside report data.
- name: Identity and Fraud
  description: Identity verification, KYC, and fraud signals returned alongside credit data.
- name: Public Records
  description: Access to public records data including bankruptcies, liens, and judgments.
- name: Multi-Format Responses
  description: Returns credit data as JSON, XML, HTML5, or PDF.
- name: Bearer Token Authentication
  description: REST API uses bearer token authentication over HTTPS.
- name: Multi-Language SDKs
  description: Examples available for Ruby, Python, JavaScript, Java, Node.js, Go, PHP, .NET, and cURL.
useCases:
- name: Loan Underwriting
  description: Lenders pull bureau reports and scores to make credit decisions.
- name: Tenant Screening
  description: Property managers run consumer credit and public records checks on applicants.
- name: Business Credit Decisioning
  description: B2B vendors evaluate the creditworthiness of business customers for terms and limits.
- name: KYC and Identity Verification
  description: Fintechs verify identity and screen for fraud during onboarding.
- name: Credit Monitoring Services
  description: Consumer fintech apps surface real-time alerts on credit profile changes to end users.
common:
- type: LinkedIn
  url: https://www.linkedin.com/company/crscreditapi
- url: https://crscreditapi.com/
  type: Website
- url: https://crscreditapi.redoc.ly/
  type: Documentation
- url: https://crscreditapi.redoc.ly/
  type: Reference
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com