PCOE (PowerCurve Origination Essential) is a credit decisioning solution built using Experian’s PowerCurve Origination (PCO) and hosted on the Experian Ascend cloud platform. It provides an essential, reusable template that supports both consumer and commercial lending products. The solution manages the complete origination lifecycle and integrates with multiple credit bureaus and ID&F (Identity & Fraud) verification services. Bureau and ID&F results are consumed directly within decisioning strategies. PCOE enables clients to build, manage, and own their credit strategies, supports APIs to create, update, and reprocessing of applications, and includes underwriter capabilities for manual review and final decisioning.

Account Monitoring Service helps users proactively monitor business-to-business credit portfolios and view changes to customers’ credit profiles. This allows customers to manage risk better, effectively allocate resources, improve cash flow and develop stronger customer relationships for greater profitability.

Provide evidence that the person you are transacting with online is over the required age for purchasing age restricted goods or services, or within a required age band for age sensitive services

Authentication with security for the Consumer

Datacrédito Experian cuenta con una serie de APIs los cuales buscan promover integraciones rápidas y sencillas con nuestros clientes para sus distintos casos de uso o necesidades. PowerCurve Check es una solución que cuenta con dos APIs los cuales ofrecen las 2 funcionalidades del servicio: Evaluación Viabilidad de Crédito por Tipo de Producto y por Monto.

Real-time data parsing combined with effective attribute calculations positions the Attribute Toolbox API as an integral component of your decisioning processes. This engine has the ability to parse raw data from the bureau and calculate Experian proprietary attributes, and then return responses to calling applications. The engine consists of several systems which include, but not limited to, the Premier Attributes industry subsets as well as the full set of over 2000 most accurate and comprehensive credit attributes.

Auto AccuSelect™ enables clients to easily integrate AutoCheck® vehicle history report data attributes via API. Auto AccuSelect APIs includes bundled packages of data elements clients can use to integrate into their platforms, portals, operating systems, or other control programs.

The MXIN Lite API provides details on a vehicle, ranging from a basic summary up to full provenance with valuations, technical details, industry codes, etc.

The Velocity API provides details on a vehicle, ranging from a basic summary up to full provenance with valuations, technical details, industry codes, etc. The API is powered by Experian's Velocity vehicle platform, which holds information on all registered/active vehicles and supports multiple use cases for the Automotive industry including managing risk and exposure.

Checking ownership of business bank accounts to avoid fraud and reduce payment error

The Bank Account Verification Consumer service verifies bank account details for United Kingdom personal current accounts. Verifying is checking that the supplied details are valid, open account and that the account is associated with the supplied name and address.

Serasa Experian´s Business Debts Records product offers customers with different options to consult the debts information of a given company. Users may query for a summarized view grouped by the debts types or use specific API Proxies endpoints to consult detailed information of a debt type.

Speed up commercial credit decision making and reduce manual processing for an improved customer journey.

When it comes to managing credit risk, blending both business and owner credit performance is more predictive than either a commercial or consumer credit model alone. The Business Owners API does just that.

Speed up customer research and make it easy for your teams to understand a business. Experian’s Business Profile API enables you to quickly and easily integrate high quality, comprehensive business information into your applications, in real-time.

Experian's Business Information Services is a leader in providing data and predictive insights to organizations, helping them mitigate risk and improve profitability. The Businesses API provides integrated access to our business database which provides comprehensive, third-party-verified information on 99.9 percent of all U.S. companies, with the industry's most extensive data on the broad spectrum of small and midsize businesses.

The Catalist API allows users to retrieve recent fuel prices for nearby petrol stations from a specified location.

Gain a detailed view of a customer’s current account turnover (CATO) to understand a business's cashflow through current account balances, debit and credit turnover, and other key current account attributes.

Returns various clarity attributes including Clear View Attributes which offers visibility into this expanded set of data to help lenders create a more complete assessment of a consumer’s creditworthiness, improving decision making and inform strategic planning and Clear Profile which provides Unique collections solution that searches Clarity’s alternative financial services database containing over 60 million records for the most recent information on difficult-to-locate and thin-file or no-hit consumers.

The Client Gateway API is a suite of services that enables clients to interact with the Ascend Technology platform through secure self-service. This set of services allows clients to upload, deploy and troubleshoot Originations & Strategy Solutions but also, to configure and troubleshoot the Event Broker Service in client self-service and allow clients in pulling their own metrics data through Dashboard View Service (DVS).

Address Search and Address Update API’s can be used to get the details of collections information of consumers associated with a specific address. Address Search: Retrieves consumers associated with the specified address. Address Search allows clients to submit an address and receives below collection information: Up to 20 consumers associated with a submitted address Up to 4 addresses, displayed in "best-ness" order, for each consumer

New API-based suite that brings together our Collections, Tracing and Investigation capability into a API offering designed to support a wide range of approved use cases.

Streamline your risk management processes and improve your customer experience by integrating commercial credit data into your applications.

Bring the convenience and security of Experian Connect to wherever you do business through a simple API integration.

Experian's Credit Profile Report gives you accurate, current and complete information you need to:

Experian Consumer Credit Report provides data held by Experian Bureau to give you the most accurate and comprehensive consumer credit information available.

The ConsumerView API allows near real time enrichment of client data with a choice of over 300 variables and consumer propensities at person, household and postcode level, including segmentation data such as Mosaic and Financial Strategy Segments.

A better, smarter and faster way to manage fraud and identity solutions.

Data and Attributes Access offers various attributes like Premier Attributes, Trended View, Trended 3D Attributes and Trended Data. Our clients can access various combination of above attributes. More information on each attribute is as follows:

Account Data Augmentation service: A Work in Progress

Provide evidence that the person you are transacting with online is over the required age for purchasing age restricted goods or services, or within a required age band for age sensitive services

Loyal customers are the result of being easy to do business with. You've got to do everything you can to deliver better, faster service. The DecisionIQ API can help you deliver real-time decisions to your customers so that they keep coming back for more. The DecisionIQ API fully automates the commercial credit decision process, from end-to-end. It's fast, reliable, and with integrated workflow processing and a rules-based decision engine, DecisionIQ delivers the streamlined credit application.

Delphi Select is a restful web Application Programming Interface (API) that allows access to the Experian Consumer Bureau and associated products and services through directed consumer targeting.

Download de arquivos PEP

Allows Financial Institutions to request standalone eCBSV results, in real-time from the SSA, through Experian’s service. Customers can quickly determine if an applicant’s SSN, Name, and DOB combination match with Social Security records. Records returned as positive matches will also return a death indicator. Consumer consent is required on every eCBSV inquiry and results must be used in combination with the decisioning of deposit, credit, or lending applicants.

The EMEA Mosaic API is a secure Web-based software interface which allows users to obtain the national Mosaic Type currently within one of 5 European countries (UK, France, Germany, Spain and Italy).

Experian Address Validation is a fast and efficient REST API for capturing validated global addresses.

Experian Email Validation is a real-time REST API that you can use to validate that both business and personal email addresses actually exist. It also offers suggestions for correcting email addresses if they contain syntax errors or typos in domain names.

Experian Enrichment ('the API' or 'Enrichment') is a real-time REST API you can use to gain an improved level of insight into individuals, households and geographic areas. For example, you can find out a household's estimated income level or an address's geographical coordinates.

Experian Ireland Business Information API Suite

Trust your digital transactions with true card-not-present detection. Experian Link answers the question: does a consumer own the credit card they presented for payment?

This guide outlines the usage of the Combined API for Universal Enrichment, featuring Reverse Append and Hygiene.

Experian Observed Data™ provides a frictionless and reliable way to substantiate a consumer’s income and employment information. Observed Data is based on consumer-reported data acquired from a large consortium of lenders, auto dealerships and fintechs who share information regularly. The data represents employment details from 23 million unique employer profiles, including 11,000 fake employers used in apps.

Experian provides a collection of APIs to help building integrations for a wide range of use cases. Experian one for Customer Acquisition is a service that enables clients to accept more customers with an agile approach to the acquisition process. It captures data, enriching it with highly predictive bureau data, fraud and identity services and any existing customer data, enabling business users to quickly implement and change models and decision criteria in response to dynamic market conditions.

Experian Phone Validation ("the API" or "Phone Validation") is a real-time REST API that you can use to validate phone numbers and obtain additional information about them. For example, you can determine whether the numbers are landline or cell phone numbers.

Experian Verify™ is an income and employment verification solution that clients can use to verify a consumer’s financial stability and ability to pay. Experian Verify is powered by unique and accurate data we have accumulated from partnerships and acquisitions. Experian Verify returns a response in real-time, helping lenders streamline decisions, reduce the cost and complexity of manual processes, and deliver a frictionless customer experience.

The ExPin SCV (Single Consumer View) API is Experian’s UK service for confirming a consumer’s identity. It returns a unique Experian Personal Identification Number (ExPin) tied to the best-matching record in our UK Credit Bureau, using the consumer’s name, aliases, date of birth, and address(es). This supports faster, more accurate onboarding, lending, and compliance workflows, with responses in real time.

A primeira solução sem custo para se adequar à Resolução Conjunta n°6 do BACEN

Experian has created a seamless global commercial data resource to ensure the data you receive is the freshest available – and now this data is available through our global API platform.Our international data platform, the Global Data Network draws on a comprehensive repository of business identity data updated monthly by Experian commercial bureaus and partners across the globe. Global Data Network Business Search API endpoints:

What can you learn about a location in just an instant? Tons, with HazardHub. By translating geospatial data sets into grades and ratings that are easy to understand, HazardHub provides risk assessments for air, fire, earth, water, and man-made hazards, which let you make better, faster decisions.