MeridianLink CreditAPI provides access to consumer credit data from multiple sources via a single API, offering customizable data layouts and merge technology for streamlined credit verification and decision-making.

Key Features

• Security and Compliance: Uses Secured Socket Layer (SSL) 128-bit encryption and is PCI and SOC II compliant.
• Merge Technology: Merges credit data from Experian, Equifax, and TransUnion to provide a unified credit profile.
• Customizable Reporting: Over 30 customizable templates and support for multiple formats like XML, MISMO, PDF.
• Rapid Deployment: Easy integration with sample code and testing environments, typically set up within 1 business day.
• Cost Efficiency: SmartSelect cascaded ordering allows clients to order only necessary data.

Benefits

• Enhanced Decision Making: Access to over 2,000 credit attributes for tailored decision-making.
• Integration Efficiency: Reduces development time by integrating multiple credit sources through one API.
• Enhanced Customer Experience: Provides quick access to comprehensive credit data.