Experian data API

Experian · Lending

Experian® is Experian's US consumer-credit app for FICO Score 8, three-bureau credit reports, Experian Boost, CreditLock, identity alerts, a card-and-loan marketplace, and Experian Bank checking and savings chartered in Delaware. The Android home surfaces the Experian / Equifax / TransUnion score cards, Boost tradeline lift, lock-unlock, dark-web and inquiry alerts, Money Hub accounts linked through Plaid, cash-advance (Brigit) offers, and Gabi insurance quotes. It competes with Intuit Credit Karma, Credit Sesame, myFICO, NerdWallet and WalletHub for US consumers who want the bureau's own FICO 8 rather than a VantageScore, plus a place to freeze the file and shop cards without a separate paid monitoring subscription. Sign-in is Experian Secure Login (username, password, OTP or passkey) with optional biometric unlock on the device.

Three-bureau FICO Score 8 readings land in score with scoreVersion and scoreIngredients factor ratings (paymentHistoryRatingName, amountOfDebtRatingName), while freeze toggles expose lockStatusCode next to freezeStatusCode. Boost consent rows keep version and acceptDate; bonus files flag hasOnlyBoostTradelines on utility and telco accounts.

Money Hub accounts pin accountBalanceV2 and institutionName under accountTypeGroup, cash-flow months split income from expenses and netIncome, and Experian Bank checking rows carry availableBalance, routingNumber and acctNumberLastFour. RightOffer cards add cardName, introAPR and isMatchedForYou; identity badges count unreadTotal. Lending desks, credit-repair shops and personal-finance copilots wire those fields into origination, freeze ops and cash-advance underwriting — openData Studio turns them into callable open data.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Mint Experian access token

POST /v1/sessions/token osint

Exchanges Secure Login credentials for Token.accessToken (plus tokenType, expiresIn, idleExp) used as Bearer on later calls.

Auth: Unauthenticated OAuth-style body. Token.accessToken becomes Authorization: Bearer on later calls; Token also carries tokenType, expiresIn and idleExp.

accessToken
tokenType
expiresIn
idleExp
secureLoginToken
loginFlow
isSuccessful
eligibleForOTP
last4PhoneDigits
signinstatus
grant_type
username

POST /v1/sessions/token HTTP/1.1
Content-Type: application/json

{
  "username": "[email protected]",
  "password": "********",
  "grant_type": "password"
}

{
  "accessToken": "eyJhbGciOiJSUzI1NiJ9.<payload>.<signature>",
  "tokenType": "Bearer",
  "expiresIn": 1800,
  "idleExp": 900,
  "secureLoginToken": {
    "accessToken": "eyJhbGciOiJSUzI1NiJ9.<payload>.<signature>",
    "tokenType": "Bearer",
    "expiresIn": 1800,
    "idleExp": 900
  },
  "loginFlow": "STANDARD",
  "isSuccessful": true,
  "eligibleForOTP": true,
  "last4PhoneDigits": "1212",
  "signinstatus": "AUTHENTICATED"
}

Latest three-bureau FICO scores

GET /v1/credit/scores/current openfinance

Loads the credit-hub score cards: per-bureau experian / equifax / transunion lists of FICO readings (score, scoreVersion, scoreRating, scoreIngredients).

Auth: Authorization: Bearer access token issued by the session token call.

experian
equifax
transunion
id
bureau
brand
scoreVersion
scoreType
score
scoreText
unscorable
scoreDate
createDate
scoreRating
scoreDistributionPercentile
sourceId
scoreIngredients
paymentHistoryRatingName
amountOfDebtRatingName
creditHistoryLengthRatingName
amountOfNewCreditRatingName
creditMixRatingName

GET /v1/credit/scores/current HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json

{
  "experian": [
    {
      "id": "scr-ex-4412",
      "bureau": "EXPERIAN",
      "brand": "FICO",
      "scoreVersion": "FICO Score 8",
      "scoreType": "FICO8",
      "score": "742",
      "scoreText": "Good",
      "unscorable": false,
      "scoreDate": "2026-10-12",
      "createDate": "2026-10-12T14:03:11Z",
      "scoreRating": "Good",
      "scoreDistributionPercentile": "68",
      "sourceId": "EXPERIAN",
      "scoreIngredients": {
        "paymentHistoryRatingName": "Excellent",
        "amountOfDebtRatingName": "Good",
        "creditHistoryLengthRatingName": "Good",
        "amountOfNewCreditRatingName": "Fair",
        "creditMixRatingName": "Good"
      }
    }
  ],
  "equifax": [
    {
      "id": "scr-eq-4412",
      "bureau": "EQUIFAX",
      "score": "738",
      "scoreRating": "Good",
      "unscorable": false
    }
  ],
  "transunion": [
    {
      "id": "scr-tu-4412",
      "bureau": "TRANSUNION",
      "score": "745",
      "scoreRating": "Good",
      "unscorable": false
    }
  ]
}

Bureau score history

GET /v1/credit/scores/{bureau}/series openfinance

Returns the per-bureau score-over-time series (id, score, date, scoreRating, isUnscoreable) behind the history chart.

Auth: Authorization: Bearer access token issued by the session token call.

experian
equifax
transUnion
id
score
date
scoreRating
isUnscoreable
sourceId

GET /v1/credit/scores/EXPERIAN/series?startDate=2025-10-01&endDate=2026-10-17 HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json

{
  "experian": [
    {
      "id": "hist-ex-01",
      "score": "742",
      "date": "2026-10-12",
      "scoreRating": "Good",
      "isUnscoreable": false,
      "sourceId": "EXPERIAN"
    }
  ],
  "equifax": [
    {
      "id": "hist-eq-01",
      "score": "738",
      "date": "2026-10-12",
      "scoreRating": "Good",
      "isUnscoreable": false,
      "sourceId": "EQUIFAX"
    }
  ],
  "transUnion": [
    {
      "id": "hist-tu-01",
      "score": "745",
      "date": "2026-10-12",
      "scoreRating": "Good",
      "isUnscoreable": false,
      "sourceId": "TRANSUNION"
    }
  ]
}

Latest three-bureau credit reports

GET /v1/credit/files/current openfinance

Pulls the latest full credit file: reportInfo.reportId plus per-source creditFileInfo tradelines (tradelineId, category, classification, dateOpened, monthlyPayment) and Boost / BNPL flags.

Auth: Authorization: Bearer access token issued by the session token call.

reportInfo
reportId
type
isNew
creditFileInfo
source
dateOfReport
hasNoTIPs
hasOnlyBoostTradelines
hasBuyNowPayLaterTrades
accounts
tradelineId
category
classification
dateOpened
monthlyPayment

GET /v1/credit/files/current HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json

{
  "reportInfo": {
    "reportId": "rpt-9c10",
    "type": "FULL",
    "isNew": true,
    "creditFileInfo": [
      {
        "source": "EXPERIAN",
        "dateOfReport": "2026-10-12",
        "hasNoTIPs": false,
        "hasOnlyBoostTradelines": false,
        "hasBuyNowPayLaterTrades": true,
        "accounts": [
          {
            "tradelineId": "tl-4412",
            "category": "REVOLVING",
            "classification": "CREDIT_CARD",
            "dateOpened": "2019-03-14",
            "monthlyPayment": "45.00"
          }
        ]
      }
    ]
  }
}

Next report refresh window
GET /v1/credit/files/refresh-window openfinance
Returns nextReportRefresh.nextRefreshDate, daysRemain and frequencyType for the paid-refresh countdown on the score card.
Auth: Authorization: Bearer access token issued by the session token call.
- nextReportRefresh
- nextRefreshDate
- daysRemain
- frequencyType
- subscriptionBenefit
```
GET /v1/credit/files/refresh-window HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json
```
```
{
  "nextReportRefresh": {
    "nextRefreshDate": "2026-11-12",
    "daysRemain": "26",
    "frequencyType": "MONTHLY",
    "subscriptionBenefit": {
      "benefitKey": "DAILY_FICO"
    }
  }
}
```
Force-reload credit reports
POST /v1/credit/files/refresh openfinance
Triggers an on-demand three-bureau report pull from the score-refresh control (empty response body).
Auth: Authorization: Bearer access token issued by the session token call.
```
POST /v1/credit/files/refresh HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json
```
```
{}
```

Pull ScoreBoost bonus report

GET /v1/credit/files/bonus openfinance

Requests the Boost bonus report so utility and telco tradelines land in hasOnlyBoostTradelines creditFileInfo.

Auth: Authorization: Bearer access token issued by the session token call. A query flag selects the Boost bonus pull.

reportInfo
reportId
type
isNew
creditFileInfo
hasOnlyBoostTradelines
tradelineId
category
classification

GET /v1/credit/files/bonus?source=boost HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json

{
  "reportInfo": {
    "reportId": "rpt-boost-12",
    "type": "BONUS",
    "isNew": true,
    "creditFileInfo": [
      {
        "source": "EXPERIAN",
        "dateOfReport": "2026-10-12",
        "hasOnlyBoostTradelines": true,
        "accounts": [
          {
            "tradelineId": "tl-boost-01",
            "category": "UTILITY",
            "classification": "BOOST",
            "dateOpened": "2024-01-08",
            "monthlyPayment": "89.00"
          }
        ]
      }
    ]
  }
}

CreditLock freeze status
GET /v1/credit/protection/lock-state openfinance
Reads CreditLock state (separate from the lock and unlock actions): lockStatusCode, freezeStatusCode and start/end timestamps for the freeze toggle.
Auth: Authorization: Bearer access token issued by the session token call.
- httpStatusCode
- lockStatusCode
- lockStartTimeStamp
- lockEndTimeStamp
- freezeStatusCode
- freezeStartTimeStamp
- freezeEndTimeStamp
- responseCode
- lockStatusCodeNew
```
GET /v1/credit/protection/lock-state HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json
```
```
{
  "httpStatusCode": 200,
  "lockStatusCode": "LOCKED",
  "lockStartTimeStamp": "2026-09-01T12:00:00Z",
  "lockEndTimeStamp": "",
  "freezeStatusCode": "FROZEN",
  "freezeStartTimeStamp": "2026-09-01T12:00:00Z",
  "freezeEndTimeStamp": "",
  "responseCode": "SUCCESS",
  "lockStatusCodeNew": "LOCKED"
}
```
Experian Boost consent status
GET /v1/boost/consents openfinance
Returns Boost consent rows (version, acceptDate, platformAcceptedOn, termType, ipAddress) that gate utility/telco tradeline lift.
Auth: Authorization: Bearer access token issued by the session token call.
- version
- acceptDate
- platformAcceptedOn
- termType
- ipAddress
```
GET /v1/boost/consents HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json
```
```
[
  {
    "version": "2.2",
    "acceptDate": "2026-03-18T09:12:00Z",
    "platformAcceptedOn": "ANDROID",
    "termType": "BOOST",
    "ipAddress": "203.0.113.12"
  }
]
```

Aggregated Money Hub accounts

GET /v1/linked-accounts openbanking

Lists Plaid-linked Money Hub accounts: accountId, institutionName, accountBalanceV2 and accountTypeGroup (CASH / CREDIT_CARDS / LOANS / INVESTMENTS / RETIREMENT).

Auth: Authorization: Bearer access token issued by the session token call.

accountId
accountType
accountTypeDisplayName
accountTypeGroup
institutionName
institutionAccountNumberMasked
institutionAccountName
institutionProfileId
status
statusV2
accountBalance
accountBalanceV2
supplier
oAuth
connectionStatus
txnAggrStatus

GET /v1/linked-accounts HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json

[
  {
    "accountId": "fa-88c1",
    "accountType": "CHECKING",
    "accountTypeDisplayName": "Checking",
    "accountTypeGroup": "CASH",
    "institutionName": "Chase",
    "institutionAccountNumberMasked": "****1212",
    "institutionAccountName": "Total Checking",
    "institutionProfileId": "ins-chase",
    "status": "ACTIVE",
    "statusV2": "CONNECTED",
    "accountBalance": "2418.55",
    "accountBalanceV2": 2418.55,
    "supplier": "PLAID",
    "oAuth": true,
    "connectionStatus": "CONNECTED",
    "txnAggrStatus": "SUCCESS"
  }
]

Money Hub cash-flow summary
GET /v1/linked-accounts/cash-flow openbanking
Returns the monthly cash-flow snapshot (income, expenses, netIncome, daysRemaining, monthName) for Money Hub.
Auth: Authorization: Bearer access token issued by the session token call.
- income
- expenses
- netIncome
- daysRemaining
- monthName
- accountId
- insights
```
GET /v1/linked-accounts/cash-flow?includeLinked=true HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json
```
```
{
  "income": 4820.0,
  "expenses": 3610.25,
  "netIncome": 1209.75,
  "daysRemaining": 14,
  "monthName": "October",
  "accountId": "fa-88c1",
  "insights": []
}
```

Delaware banking accounts

POST /v1/graphql/banking openbanking

GraphQL-style bankingAccounts query for Experian Bank (Delaware): availableBalance, routingNumber, acctNumberLastFour, accountStatus OPEN/CLOSED/SUSPENDED/CLOSED_CHARGE_OFF and debit-card lock flags.

Auth: Authorization: Bearer access token issued by the session token call.

bankingAccounts
id
accountName
acctNumberLastFour
accountNumber
accountType
productKey
accountStatus
accountOpenDateTime
accountClosedDateTime
availableBalance
routingNumber
card
isLocked
cardLastFourNumber
isVirtual
isPinSet

POST /v1/graphql/banking HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "operationName": "bankingAccounts",
  "query": "query bankingAccounts { bankingAccounts { id accountName acctNumberLastFour accountType productKey accountStatus availableBalance routingNumber accountNumber accountOpenDateTime card { id isLocked cardLastFourNumber } } }",
  "variables": {}
}

{
  "data": {
    "bankingAccounts": [
      {
        "id": "ba-77a1",
        "accountName": "Experian Checking",
        "acctNumberLastFour": "4412",
        "accountNumber": "****4412",
        "accountType": "CHECKING",
        "productKey": "CHECKING",
        "accountStatus": "OPEN",
        "accountOpenDateTime": "2025-04-02T15:11:00Z",
        "accountClosedDateTime": null,
        "availableBalance": 1284.33,
        "routingNumber": "123456789",
        "card": {
          "id": "card-01",
          "isLocked": false,
          "cardLastFourNumber": "4412",
          "isVirtual": true,
          "isPinSet": true
        }
      }
    ]
  }
}

Marketplace RightOffer cards

GET /v1/marketplace/card-offers openfinance

Loads the RightOffer marketplace cards: cardName, applyNowUrl, isMatchedForYou plus detail.annualFee / introAPR / ongoingApr / issuer.

Auth: Authorization: Bearer access token issued by the session token call.

requestId
trackingId
isMatchedForYou
fieldErrors
lendingWorkZone
cardList
id
cardName
imageUrl
applyNowUrl
rank
detail
issuer
annualFee
introAPR
ongoingApr
introBonus
balanceTransfer
preFunnelLoanOffers

GET /v1/marketplace/card-offers HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json

{
  "requestId": "req-9c10",
  "trackingId": "trk-aa11",
  "isMatchedForYou": true,
  "fieldErrors": [],
  "lendingWorkZone": {
    "cardList": [
      {
        "id": "card-cap1",
        "cardName": "Capital One Quicksilver",
        "imageUrl": "https://cdn.example.com/cards/quicksilver.png",
        "applyNowUrl": "https://offers.example.com/redirect/cap1",
        "rank": "1",
        "isMatchedForYou": true,
        "detail": {
          "name": "Quicksilver",
          "issuer": "Capital One",
          "annualFee": "$0",
          "introAPR": "0% intro APR on purchases for 15 months",
          "ongoingApr": "19.24% - 29.24% variable",
          "introBonus": "$200 cash back",
          "balanceTransfer": "3% fee"
        }
      }
    ],
    "preFunnelLoanOffers": [],
    "requestId": "req-9c10",
    "isMatchedForYou": true,
    "fieldErrors": []
  }
}

Identity alert summary

POST /v1/graphql/identity osint

GraphQL-style getAlertSummary for identity-monitoring badges: per-status count plus unreadTotal. Related alert details carry alertId, headline, riskLevel, alertType.

Auth: Authorization: Bearer access token issued by the session token call.

getAlertSummary
alerts
status
count
unreadTotal

POST /v1/graphql/identity HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "operationName": "alertSummary",
  "query": "query alertSummary { getAlertSummary { alerts { status count } unreadTotal } }",
  "variables": {}
}

{
  "data": {
    "getAlertSummary": {
      "alerts": [
        {"status": "NEW", "count": 3},
        {"status": "READ", "count": 11}
      ],
      "unreadTotal": 3
    }
  }
}

Where teams use this data

Three-bureau underwriting snapshot
A lender pulls the same-day Experian, Equifax and TransUnion FICO Score 8 readings plus paymentHistoryRatingName and amountOfDebtRatingName so an origination desk can compare bureau spread without a separate tri-merge vendor.
Boost tradeline lift audit
A credit-repair desk watches hasOnlyBoostTradelines on the bonus report together with Boost consent version and acceptDate, to prove which utility and telco accounts actually moved the FICO 8 file.
Plaid cash-flow plus Delaware balance
A personal-finance copilot joins Money Hub income / expenses / netIncome with Experian Bank availableBalance and routingNumber so payday and cash-advance underwriting sees both aggregated banks and the in-app Delaware checking account.
Marketplace prequal handoff
A card comparison widget reads RightOffer cardName, introAPR, ongoingApr and isMatchedForYou, then deep-links applyNowUrl only for matched-for-you offers instead of spraying the full issuer catalog.

Frequently asked questions

Which bureaus does the Experian app score against?

The credit hub returns separate experian, equifax and transunion lists. Each score object carries bureau, brand, scoreVersion (FICO Score 8), score, scoreRating and scoreIngredients factor ratings.

How does Experian Boost show up on the credit file?

Boost consent is a list of version / acceptDate / termType rows. The bonus report then sets hasOnlyBoostTradelines on creditFileInfo when utility and telco accounts are the only new tradelines.

What bank data sits beside the credit scores?

Plaid-linked Money Hub accounts expose accountBalanceV2 and institutionName. Experian Bank (Delaware) GraphQL bankingAccounts add availableBalance, routingNumber, acctNumberLastFour and debit-card lock flags.

How is the session authenticated?

Secure Login mints Token.accessToken (tokenType Bearer, expiresIn, idleExp). Later report, lock, Boost, Money Hub and GraphQL calls send Authorization: Bearer plus that accessToken.

Apps similar to Experian®

Intuit Credit Karma — Intuit Credit Karma is a free US app for TransUnion and Equifax credit reports and scores in one login, with free credit monitoring and a card-and-loan marketplace.
Credit Sesame — Credit Sesame shows a free daily TransUnion credit score with monitoring alerts and credit-card offers matched to approval odds, and Sesame+ adds scores, reports, and alerts from TransUnion, Experian, and Equifax.
myFICO — myFICO is FICO's own consumer service: the free plan updates an Equifax FICO Score 8 monthly, while paid plans add Experian or three-bureau FICO scores and reports.
WalletHub — WalletHub is a free US credit app that updates a TransUnion-based score daily, can lock the TransUnion credit report, and matches credit-card and personal-loan offers.
CreditWise — Capital One CreditWise is a free tool that shows a FICO Score 8 and TransUnion credit report, with alerts when a new inquiry or delinquency hits TransUnion or Experian files, and it does not require a Capital One account.
Equifax — Equifax Core Credit provides a daily VantageScore and Equifax credit report, and a myEquifax account can place, lift, or remove a free security freeze on the Equifax file.
AnnualCreditReport.com — AnnualCreditReport.com is the only FTC-authorized site for the free weekly Equifax, Experian, and TransUnion credit reports required by US law; it fills report orders, not credit scores.
NerdWallet — NerdWallet is a US personal-finance site and app that offers a free credit-score tool alongside comparison guides for credit cards, loans, and bank accounts.

More Lending apps

Topics

Experian API
FICO Score 8
three bureau credit report
Experian Boost
CreditLock
Plaid cash flow
Experian Bank Delaware

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Experian data API

Screenshots

API surface

Mint Experian access token

Latest three-bureau FICO scores

Bureau score history

Latest three-bureau credit reports

Next report refresh window

Force-reload credit reports

Pull ScoreBoost bonus report

CreditLock freeze status

Experian Boost consent status

Aggregated Money Hub accounts

Money Hub cash-flow summary

Delaware banking accounts

Marketplace RightOffer cards

Identity alert summary

Data categories

Where teams use this data

Three-bureau underwriting snapshot

Boost tradeline lift audit

Plaid cash-flow plus Delaware balance

Marketplace prequal handoff

Frequently asked questions

Apps similar to Experian®

More Lending apps

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Topics

Need this app's data API integrated?

Experian data API

Screenshots

API surface

Mint Experian access token

Latest three-bureau FICO scores

Bureau score history

Latest three-bureau credit reports

Next report refresh window

Force-reload credit reports

Pull ScoreBoost bonus report

CreditLock freeze status

Experian Boost consent status

Aggregated Money Hub accounts

Money Hub cash-flow summary

Delaware banking accounts

Marketplace RightOffer cards

Identity alert summary

Data categories

Where teams use this data

Three-bureau underwriting snapshot

Boost tradeline lift audit

Plaid cash-flow plus Delaware balance

Marketplace prequal handoff

Frequently asked questions

Related apps

Apps similar to Experian®

More Lending apps

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Topics

Need this app's data API integrated?