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 ✦  CONSUMER ENGAGEMENT API

Deliver the credit experience your customers keep coming back for.

One API to power credit reports, scores, monitoring, alerts, and financial wellness tools inside your own product.

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FEATURES SUITE

Everything your users expect from a modern credit product.

svgexport-3 (1)Credit Reports
svgexport-4 (1)Credit Scores
svgexport-5 (1)Monitoring & Alerts
svgexport-6Financial Wellness
svgexport-7Identity Protection
svgexport-8 (1)Consumer-Grade UX Data

HOW IT WORKS

From your product to your
consumer, in four steps.

01

Authenticate your user

Your platform captures consumer consent and identity.

02

Call the API

One REST call fetches tri-bureau report, score, and monitoring state.

03

Render in your UI

Use normalized data to power dashboards, scores, and alerts.

04

Subscribe to events

Webhook or poll for changes — surface alerts in real time.

API

Built the way developers work.

REST + JSON

Predictable endpoints, versioned, thoroughly documented.

Sandbox

Test end-to-end on day one — no bureau paperwork required.

Secure by default

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

Real-time

Sub-second reports and monitoring event delivery.

Webhooks

Push monitoring deltas and alerts into your systems.

Compliance-aware

Permissible-purpose enforcement built into the API.

BENEFITS

Why teams pick 3B for consumer
engagement.

Faster time-to-market

Skip bureau integration, normalization, and monitoring plumbing.

Higher engagement

Give users a reason to return — scores, alerts, and progress.

Lower compliance risk

FCRA-aware architecture and audit-ready workflows.

IFAQ

Consumer Engagement FAQs

Yes. 3B delivers the data and workflows; your product owns the branding, UI, and consumer relationship.
No. 3B provides tri-bureau data under a single integration and commercial relationship.
You receive a real-time monitoring event (webhook or poll) that you can surface as an alert inside your product.
Yes — 3B specializes in soft-pull, consumer-permissioned tri-bureau data appropriate for monitoring and education use cases.

Bring credit into your product.

Talk to our team about your consumer experience — we'll help you scope it and get to sandbox.