Credit Bureau API by Verifyal
Verifyal’s Credit Bureau API offers a fast and reliable way to instantly check the creditworthiness of borrowers before lending or offering financial products.
Simply input the user’s Full Name, Mobile Number, Date of Birth, and PAN Card Number to retrieve a real-time credit score directly from trusted credit bureau databases like CIBIL, Experian, CRIF, and Equifax.
In addition to the credit score, the API provides: Payment History, Credit Age, Credit Inquiries, Total and Active Credit Accounts
Easily integrate this API into your system to automate credit checks, improve decision-making, and enhance operational efficiency across lending, insurance, and financial platforms.
- Investments
- Finances & Economy
Verifyal’s Credit Bureau API is a real-time, one-click solution to retrieve an individual’s complete credit report and score from trusted credit bureaus like Equifax, CIBIL, Experian, and CRIF High Mark.
This powerful tool delivers accurate and verified financial data in seconds, helping businesses assess creditworthiness efficiently while reducing manual effort, approval delays, and risk exposure.
Use Cases of Verifyal’s Credit Bureau API
Loan Approval Process
Banks, NBFCs, and financial institutions use the API to instantly evaluate a borrower’s credit profile, improving the speed and accuracy of the loan approval process while minimizing the risk of defaults.
Peer-to-Peer (P2P) Lending Platforms
P2P lenders use Verifyal’s API to assess borrower credibility before allowing loans, ensuring safer and smarter peer-based lending decisions.
Fraud Detection
The API validates customer information against official credit bureau databases, helping detect fraudulent identities and prevent financial fraud during onboarding or underwriting.
Boost security and ensure
Have Questions? We’ve Got the Answers Here
Our guide to Frequently Asked Questions. Explore answers to common queries and empower your decision-making for a seamless collaboration.
What is a Credit Bureau API?
A Credit Bureau API is a digital interface that allows businesses to access a person’s official credit score and report directly from trusted credit bureaus like CIBIL, Equifax, Experian, and CRIF High Mark. It helps lenders, fintechs, and financial institutions evaluate creditworthiness in real time.
How does the Credit Bureau API work?
The API takes basic user inputs such as Full Name, Mobile Number, Date of Birth, and PAN Card Number. Once submitted, the system authenticates the details and fetches the credit data directly from the bureau in JSON format for easy integration and use.
Is there any Credit Score API available in India?
Yes. India has several Credit Score APIs offered through authorized credit bureaus. Verifyal provides one of the most trusted and comprehensive Credit Score APIs, offering access to data from multiple bureaus via a single, secure platform.
How do I know my credit score using the API?
Simply provide your identity details (Name, PAN, Mobile Number, DOB) through the API. After validation, your credit score and full credit report are retrieved from the credit bureau and displayed in real time.
How accurate is the Credit Bureau API?
Highly accurate. The API is directly integrated with RBI-approved credit bureaus, ensuring the data retrieved is authentic, real-time, and reflects your most up-to-date credit activity.
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