Credit ReportX requests a credit report where CreditReportRequestActionType attribute values can be set to Submit, ForceNew, Reissue, Upgrade, or Unmerge.
Security
basicAuth
POST
- Ind_CR_Request
- Joint_CR_Request
- Submit Individual Credit ReportX Request Example
- ForceNew Individual Credit ReportX Request Example
- Reissue Individual Credit ReportX Request Example
- Upgrade Individual Credit ReportX Request Example
- Unmerge Individual Credit ReportX Request Example
- Submit Joint Credit ReportX Request Example
- ForceNew Joint Credit ReportX Request Example
- Reissue Joint Credit ReportX Request Example
- Upgrade Joint Credit ReportX Request Example
- Unmerge Joint Credit ReportX Request Example
curl -i -X POST \
-u '<username>:<password>' \
/credit_report \
-H 'Content-Type: application/xml' \
-d '<?xml version="1.0" encoding="UTF-8"?>
<REQUEST_GROUP MISMOVersionID="2.3.1">
<REQUESTING_PARTY _Name="Customer Name Here"/>
<SUBMITTING_PARTY _Name="Software/Platform Name Here"/>
<REQUEST RequestDatetime="2012-01-01T12:00:00">
<REQUEST_DATA>
<CREDIT_REQUEST MISMOVersionID="2.3.1" LenderCaseIdentifier="LoanNumber1">
<CREDIT_REQUEST_DATA CreditRequestID="requestID" BorrowerID="B1" CreditReportRequestActionType="Submit" CreditReportType="Merge" CreditRequestType="Individual">
<CREDIT_REPOSITORY_INCLUDED _EquifaxIndicator="Y" _ExperianIndicator="Y" _TransUnionIndicator="Y"/>
</CREDIT_REQUEST_DATA>
<LOAN_APPLICATION>
<BORROWER BorrowerID="B1" _FirstName="Nickie" _MiddleName="C" _LastName="Green" _NameSuffix="" _SSN="123003333">
<_RESIDENCE _StreetAddress="100 Terrace Ave." _City="West Haven" _State="CT" _PostalCode="06516" BorrowerResidencyType="Current"/>
</BORROWER>
</LOAN_APPLICATION>
</CREDIT_REQUEST>
</REQUEST_DATA>
</REQUEST>
</REQUEST_GROUP>'Response
- Ind_CRx_Response
- Joint_CRx_Response
- Submit Individual Credit ReportX Response Example
- Submit Individual Credit ReportX Error Response Example
- ForceNew Individual Credit ReportX Response Example
- ForceNew Individual Credit ReportX Error Response Example
- Reissue Individual Credit ReportX Response Example
- Reissue Individual Credit ReportX Error Response Example
- Upgrade Individual Credit ReportX Response Example
- Upgrade Individual Credit ReportX Error Response Example
- Unmerge Individual Credit ReportX Response Example
- Unmerge Individual Credit ReportX Error Response Example
- Submit Joint Credit ReportX Response Example
- Submit Joint Credit ReportX Error Response Example
- ForceNew Joint Credit ReportX Response Example
- ForceNew Joint Credit ReportX Error Response Example
- Reissue Joint Credit ReportX Response Example
- Reissue Joint Credit ReportX Error Response Example
- Upgrade Joint Credit ReportX Response Example
- Upgrade Joint Credit ReportX Error Response Example
- Unmerge Joint Credit ReportX Response Example
- Unmerge Joint Credit ReportX Error Response Example
<?xml version="1.0" encoding="UTF-8"?>
<RESPONSE_GROUP MISMOVersionID="2.3.1">
<RESPONDING_PARTY _Name="Xactus" _StreetAddress="600 SAW MILL ROAD" _City="WEST HAVEN" _State="CT" _PostalCode="06516">
<CONTACT_DETAIL _Name="XACTUS">
<CONTACT_POINT _Type="Phone" _Value="800-243-0120" />
<CONTACT_POINT _Type="Fax" _Value="800-942-9451" />
</CONTACT_DETAIL>
</RESPONDING_PARTY>
<RESPOND_TO_PARTY _Name="ACME TEST CODE" _StreetAddress="123 TESTING AV" _City="TEST" _State="CT" _PostalCode="15236">
<CONTACT_DETAIL _Name="JOHN DOE" />
</RESPOND_TO_PARTY>
<RESPONSE ResponseDateTime="2025-01-23T14:52:13">
<KEY _Name="CustomerID" _Value="ACME" />
<KEY _Name="BID" _Value="B1" />
<KEY _Name="ver" _Value="2.3.1" />
<KEY _Name="EquifaxBeacon5.0_MinimumValue" _Value="300" />
<KEY _Name="EquifaxBeacon5.0_MaximumValue" _Value="850" />
<KEY _Name="CreditScoreRankPercent_CR1202696_S2124545" _Va…