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 ✦  TRI-BUREAU CREDIT API PLATFORM

Credit Report  Solutions for Credit Monitoring Companies

3B Credit Reports helps businesses integrate secure credit reports and monitoring into their own platforms — with a single, developer-friendly API.

API Integration
Credit Reports
Credit Monitoring
Consumer Engagement
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HOW IT WORKS

Built for Credit Monitoring
Platforms

We help businesses deliver credit reports and monitoring to their customers — without the
complexity of bureau integrations, compliance overhead, or building infrastructure
from scratch.

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Your Platform

Your website, app, or portal — where your customers already engage.

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3B API

One REST API for tri-bureau reports, scores, monitoring, and alerts.

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Credit Reports

Secure, compliant credit data pulled and normalized on demand.

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Consumer

A branded experience your users trust — powered by 3B behind the scenes.

OUR SOLUTIONS

One platform. Every credit
workflow.

Purpose-built APIs for the businesses building the next generation of credit and financial
wellness products.

Consumer Engagement API

Deliver credit reports, scores, monitoring, and alerts directly inside your product experience.

Credit Report API

On-demand tri-bureau soft-pull credit reports with normalized, developer-friendly responses.

Credit Monitoring Integration

Real-time monitoring with configurable alerts across all three bureaus.

Identity & Verification

Verify identity and reduce onboarding friction with bureau-grade data.

Fraud Prevention

Signals and workflows that help you stop synthetic and stolen-identity fraud.

Credit Data Solutions

Attributes, insights, and tradeline data to power decisions and dashboards.

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DEVELOPER PLATFORM

The API is the product.

A modern, developer-first credit API — designed to ship in days, not quarters. Built with the workflows real product and engineering teams use every day.

restREST API

Clean JSON, versioned, fully documented.

Screenshot_5Secure Integration

TLS everywhere, scoped keys, audit logs.

sandSandbox

Full-fidelity test bureau to build against.

Screenshot_6Developer Support

Talk directly to the team that built it.

realReal-Time Reports

Sub-second responses at production scale.

Screenshot_7Easy Onboarding

Guided compliance and go-live checklists.

INDUSTRIES

Trusted by the businesses
shaping consumer credit.

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Credit Monitoring Companies

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Credit Education Platforms

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Credit Counseling Organizations

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Fintech

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Lenders

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Banks 

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Financial Wellness Platforms

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Enterprise Platforms

WHY 3B

Why credit monitoring companies
choose us.

Tri-Bureau Reports

Equifax, Experian, and TransUnion in a single normalized response.

Secure APIs

TLS 1.3, key rotation, scoped access, and full audit trails.

Fast Integration

Most teams go from sandbox to production in under two weeks.

Enterprise Security

SOC-aligned controls, encryption at rest, PII minimization.

Real-Time Credit Data

Low-latency responses that keep your UX snappy at scale.

Monitoring Support

Delta detection, alert delivery, and consumer-facing workflows.

Compliance Focus

FCRA-aware architecture and permissible-purpose enforcement.

Dedicated Technical Support

Named engineers on your integration — not a ticket queue.

CONSUMER ENGAGEMENT SUITE

Give your customers a credit experience worth returning to.

Businesses use 3B's API infrastructure to power the credit experiences their users love — from first score view to long-term financial wellness.

Credit Reports
Credit Scores
Monitoring
Alerts
Financial Wellness Tools
Identity Protection
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PARTNER PROGRAM

Become a 3B Credit Reports Partner

Grow with the credit data infrastructure your clients already trust. Whether you're an agency, consultant, or platform, we're built to make you look great.

170Refer clients

Bring us in on the credit and monitoring piece of your projects.

chbExpand your services

Add credit APIs and monitoring to your existing offering.

Screenshot_6Dedicated support

A named partner manager and priority engineering access.

drRevenue opportunities

Attractive economics for referred and co-sold accounts.

FAQ

Frequently Asked Questions

A credit monitoring API lets your platform pull tri-bureau credit data, subscribe to monitoring events, and deliver alerts back to your users through a secure, programmatic interface.
3B provides tri-bureau coverage across Equifax, Experian, and TransUnion, normalized into a single response shape so your engineering team only integrates once.
Most teams are live in the 3B sandbox on day one and reach production within two weeks, depending on compliance review and your product timelines.
Yes. 3B specializes in soft-pull, consumer-permissioned tri-bureau credit reports built for monitoring, education, and financial wellness use cases.
Absolutely — those are two of our core customer segments, alongside credit counseling, banks, lenders, and financial wellness apps.

Ready to integrate credit data
into your platform?

Talk to our team about your product, timelines, and compliance needs — we'll get
you into the sandbox fast.