✦ DEVELOPER PLATFORM

Ship credit reports and monitoring in days, not quarters.

A single, developer-first REST API for tri-bureau credit data. Built for the way modern product and engineering teams actually work.

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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.

Your Platform

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

3B API

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

Credit Reports

Secure, compliant credit data pulled and normalized on demand.

Consumer

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

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THE API IS THE PRODUCT

Everything you need to integrate credit into your platform

One versioned REST API. Normalized tri-bureau responses. Sandbox for day-one development. Named engineers for your integration.

CAPABILITIES

What's included

REST API

Predictable JSON, versioned endpoints, first-class documentation.

Secure Integration

TLS 1.3, scoped API keys, rotation, and full audit logs.

Sandbox

A full-fidelity test bureau so your team can build without waiting.

Developer Support

Talk directly to the engineers who built the API.

Real-Time Reports

Sub-second responses tested at production traffic patterns.

Easy Onboarding

Guided compliance review and go-live playbooks.

Compliance-Aware

Permissible-purpose enforcement and FCRA-aware architecture.

Tri-Bureau in One Call

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

IFAQ

API integration FAQs

Request a demo and our team will provision sandbox credentials, documentation, and a Postman collection so your engineers can start immediately.

The API uses bearer tokens with scoped, rotatable keys and per-environment secrets. All traffic is TLS 1.3.

Yes. Monitoring deltas and alerts can be delivered via webhook or polled, whichever fits your architecture.

The API is REST/JSON and works with any HTTP client. Reference examples are provided in TypeScript, Python, and cURL.

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.