---
title: "Credit Report API for Developers | CreditPullEngine"
description: "Form-encoded HTTPS endpoints, a sandbox, normalized JSON and encrypted Agent Access. No SDK required. Our engineers pair with yours from the first call."
url: "https://creditpullengine.com/solutions/developers"
---

Developers

# A credit report API you can read.

A few form-encoded endpoints, an API key and a sandbox. Pull a report, get normalized JSON back, and ship from any stack that can send an HTTPS POST.

  [Read the Docs](https://docs.creditpullengine.com) [Get Sandbox Access](/get-started/)

1M+ API requests since 2024.

      Sample data

1. 01 · Sandbox Build against sandbox.creditpullengine.com.
2. 02 · Pull POST /pull with identifiers or a phone number.
3. 03 · Retrieve GET the report as PDF, JSON or HTML.
4. 04 · Production Swap the host and key once you're approved.

Endpoints

## The whole surface fits on one screen.

Form-encoded POSTs authenticated with an API key. Full request and response details live at docs.creditpullengine.com.

- POST /pull ### Pull a report with standard identifiers Send the consumer's standard identifiers to run the pull. Use it for soft-pull prequalification without affecting the consumer's credit score. Explore the Soft Pull API
- POST /phone/authorize + /phone ### Pull with a phone number and SMS consent Start the consent flow, the consumer approves by text and confirms a one-time passcode, then complete the pull. See the phone flow
- GET /getreport/{pdf|json|html}/{id} ### Fetch the report in the format you need JSON for your system, HTML for your UI, PDF for the file. Repeat pulls of the same consumer within 24 hours return the cached report. See report formats

No SDK required

## If it can send an HTTPS POST, it can pull a report.

There is no client library to install or keep up to date. Use curl, your language's HTTP client, or the integration layer in your CRM. Every request and field is documented at docs.creditpullengine.com.

Responses come back as normalized JSON with the same structure on every report: consumer data, public records, derogatory summary, credit summary, mortgage and credit cards. Map it once.

- Form-encoded requests, API key authentication.
- Sandbox first, then production on the same endpoints.
- Normalized JSON, plus PDF and HTML renderings.

Agent Access

## Let AI agents read reports without holding PII.

Agent Access lets AI agents pull and summarize credit reports through MCP. The point is the encryption, not the protocol.

- ### PII stays encrypted Consumer personal information stays encrypted and never sits in the AI provider's infrastructure.
- ### The same data, the same rules Agents summarize the same reports your team reviews, so the answers trace back to the source.
- ### Talk to us about Agent Access We'll walk through your use case and how to set it up. See the details on the Agent Access page.

Support

## Engineers who pair with yours.

You won't file a ticket and wait. The engineers who built CreditPullEngine work directly with your team, from the first sandbox request through launch.

Integration starts within 24 hours of first contact. If you want the pulls wired into your CRM, we build that integration with you.

## Questions developers ask.

   Is there an SDK?

No, and you don't need one. The API takes form-encoded HTTPS POSTs with an API key, so any stack works.

  How do I get sandbox credentials?

Request them on the Get Started page. You can start building in the sandbox as soon as onboarding begins, before production approval.

  What formats can I retrieve?

PDF, JSON and HTML, through GET /getreport/{format}/{id}. The JSON response is normalized across reports.

  What happens if I pull the same consumer twice?

Repeat pulls of the same consumer within 24 hours return the cached report.

  Is Agent Access available now?

Talk to us about Agent Access. We'll go through your use case and how consumer PII stays encrypted outside the AI provider's infrastructure.

## Related

- Product ### Soft Pull API Prequalify without affecting the consumer's credit score.
- Product ### Agent Access AI agents read reports while PII stays encrypted.
- Guide ### Soft pull vs. hard pull What each pull type means for the consumer.

## Start in the sandbox.

Request sandbox credentials as soon as onboarding starts, and build while approval runs. Our engineers are a message away.

  [Get Sandbox Access](/get-started/) [Read the Docs](https://docs.creditpullengine.com)