Ask HN: API for credit scores

Posted by kilimchoi on Sunday April 16, 2017 @04:51PM
from the ask-hn dept.

I was wondering why this kind of service isn't available yet. Some credit bureaus seem to offer an api but there's no good documentation and it seems to require going through an approval process. Can there be something like Stripe for checking your credit scores? Why doesn't a service like this exist yet?

( 6 comments | on HN )

Re:Ask HN: API for credit scores by gregjor on Sunday April 16, 2017 @11:07PM (#14128988)

All of the major credit bureaus offer APIs. But you have to get approved (not easy) and pay. Credit information is both confidential and proprietary.

[ Parent | on HN ]

Re:Ask HN: API for credit scores by kilimchoi on Monday April 17, 2017 @07:11PM (#14135227)

I wonder how easy or difficult it is for loan lending startups to get access to these APIs and if the developer experience for the api is good enough for them to keep using it.

[ Parent | on HN ]

Re:Ask HN: API for credit scores by davidg11 on Sunday April 16, 2017 @05:07PM (#14127519)

There are a few apps that do free credit monitoring by doing API requests to the major bureaus on the backend.

[ Parent | on HN ]

Re:Ask HN: API for credit scores by kilimchoi on Sunday April 16, 2017 @05:10PM (#14127533)

which apps? and is this kinda like stripe where anyone can make an api request to the bureaus?

[ Parent | on HN ]

Re:Ask HN: API for credit scores by byoung2 on Sunday April 16, 2017 @04:59PM (#14127476)

Checking your own score? Or anybody's score?

[ Parent | on HN ]

Re:Ask HN: API for credit scores by kilimchoi on Sunday April 16, 2017 @05:06PM (#14127510)

Both. But for the latter, I would imagine you have to demonstrate that you're doing it for the right reason such as you're a bank and you want to check if someone has good credit score before lending some money.

[ Parent | on HN ]