One POST. Structured JSON back.
The Credit Pull Engine API is plain HTTP: form-encoded requests, API-key auth, JSON responses. Try the request shapes below — then talk to us, and our engineers start on your integration within 24 hours.
// Press “Send request” to see the response.
// Try clearing a required field, or the apikey, to see the error shapes. Environments.
| Environment | Base URL | Notes |
|---|---|---|
| Sandbox | https://sandbox.creditpullengine.com | Test-mode data sources. Non-billable, nothing reportable. |
| Production | https://api.creditpullengine.com | Live, billable, FCRA-governed pulls. Your account manager promotes your org when integration is green. |
Treat your API key as a secret: it authenticates and incurs cost. Keep it server-side — never in browser code or source control.
One request in.
One report shape out.
A pull is four things happening in about a second. You send identity fields; CPE does the rest and hands back the same structure every time.
- 01
Authenticate and check entitlements
Every request carries your
apikey. CPE resolves your organization, its permissible purpose and what it is allowed to pull before anything leaves the building. - 02
Route to the strongest match
Send what you have. An SSN anchors the match; without one, the street address does; name, DOB, city and state alone still return a file. The path that ran comes back in
metadata.path. - 03
Normalize into one report shape
Tradelines, collections, inquiries, public records and scores land in the same vendor-neutral schema, whichever upstream source answered. Code against it once.
- 04
Deliver JSON, PDF and HTML
The response is structured JSON plus three shareable report URLs, with the CPE Score Forecast attached when your org is entitled. Repeat pulls inside 24 hours return the cached report — no double charge.
Start your integration within 24 hours.
Hands-on integration help and personal support from the people who built the API. No long-term contracts, no payment up front, no monthly minimums.
- Within 24 hours
Integration starts
Our engineers meet yours, map your fields and get you building against the sandbox.
- About two weeks
Approval
Company and office verification and compliance review. Most clients are approved within two weeks.
- Then
Go live
Production credentials for the API and the dashboard — with the same people supporting you after launch.