Introduction
The Credit Reporting API is the gateway to credit bureau data within the DebtCore API. It initiates the debt relief workflow by pulling credit reports and returning a unique identifier (creditReportId) along with the normalized credit data necessary to build the applicant’s financial profile.
The service is built around GraphQL - all calls are simply POST requests to the service endpoint.
Integration Paths
The Credit Reporting API supports two integration flows depending on your existing infrastructure:
1. Pull Credit Reports via Alleviate (End-to-End)
If you do not pull credit reports yourself, or want to migrate to Alleviate, use the Pull Credit Report flow:
- You provide applicant identity and address details
- Alleviate pulls the credit report from the vendor, retrieves the PDF (if available), and normalizes the report
- You receive a normalized credit report and a
creditReportIdfor status polling and downstream usage
Supported Credit Report Sources:
Credit Report Source (creditReportSource) | Product | Data Provider |
|---|---|---|
SPINWHEEL | EquifaxVantageScore3.0 | Spinwheel |
CRS_TRANSUNION | basic/tu-prequal-vantage4 | CRS |
CRS_EQUIFAX | efx-prequal-vantage4 | CRS |
ARRAY_EQUIFAX | efx1bReportScore | Array |
ARRAY_EQUIFAX_KBA | efx1bReportScore | Array |
CRS_STANDARD_PREQUAL_VANTAGE4_TU | standard/tu-prequal-vantage4 | CRS |
2. Normalize Existing Credit Reports (Bring Your Own Data)
If you already pull credit reports from a bureau or third-party vendor, you can send the raw credit report data to Alleviate for normalization:
- You provide the raw credit report payload (vendor-specific format) and optional PDF data
- We return a normalized credit report in Alleviate’s standard schema and a
creditReportIdfor downstream usage
Supported Vendors
Vendor Source (reportType) | Product | Data Provider |
|---|---|---|
CRS_TRANSUNION | basic/tu-prequal-vantage4 | CRS |
CRS_EQUIFAX | efx-prequal-vantage4 | CRS |
SPINWHEEL | EquifaxVantageScore3.0 | Spinwheel |
ARRAY_EQUIFAX | efx1bReportScore | Array |
CRS_STANDARD_PREQUAL_VANTAGE4 | standard/prequal-vantage4 | CRS |
FORTH_API_MISMO_2_3_1 | MISMO 2.3.1 | Forth API |
Key Features
- Credit report retrieval from multiple bureau sources
- Automated report normalization and standardization
- PDF retrieval and storage (when available)
- Debt analysis and categorization
- User verification via SMS/KBA flows (for Spinwheel)
- Integration with Lead Eligibility workflows
Next Steps
- Pull Credit Report - Start pulling credit reports
- Normalize Raw Report - Normalize your own credit data
- Credit Report Query - Check report status