---
title: "Credit Report API for Startups & Fintech Builders | CreditPullEngine"
description: "We guide new companies through credentialing, give you a sandbox while you onboard, and our engineers help you integrate. Approval typically takes about two weeks."
url: "https://creditpullengine.com/solutions/startups"
---

Startups

# Get credentialed and integrated, quickly.

No bureau will credential a company with no track record, unless someone walks you through it. We guide you through credentialing, put you in the sandbox while you onboard, and pair our engineers with yours.

  [Get Sandbox Access](/get-started/) [Book a Live Demo](/contact/)

Approval typically takes about two weeks. No long-term contracts, no monthly minimums.

The first hurdle

## Credentialing is hard when you're new.

"No bureau will credential a company with no track record." That's the wall most new lenders, fintechs and service companies hit before they write a line of integration code.

Credentialing still takes real verification. What changes with CreditPullEngine is that you don't face it alone. As an Authorized Equifax Reseller, we help you get through credentialing step by step, and you keep building while it runs.

Onboarding

## Three steps, with us beside you.

Request sandbox credentials as soon as onboarding starts. Integration and approval run in parallel.

1. 01 ### Verify your company. Basic paperwork confirming your business information and address. We tell you exactly what's needed. Get Sandbox Access
2. 02 ### Verify your office. Show a secure business office or home office. We'll tell you what qualifies. Talk to us
3. 03 ### Get your credentials. Production access once you're approved, typically about two weeks after you start. Read the Docs

Build while you wait

## Ship the integration before approval lands.

Two weeks of waiting doesn't have to be two weeks of idle engineers.

- ### Sandbox from day one Build against sandbox.creditpullengine.com while company and office verification are in progress.
- ### Engineers who pair with yours Integration help starts within 24 hours of first contact. You talk to the people who built the API.
- ### Simple to wire up Form-encoded HTTPS POSTs and normalized JSON. No SDK required.

What you can build

## Start with a soft pull, grow from there.

Pick the pieces your product needs. Our engineers help you integrate whichever you start with.

- Soft Pull API ### Prequalify without affecting the score Let applicants check where they stand without a hit to their credit score. Explore the Soft Pull API
- Credit Reports ### Full reports in PDF, JSON or HTML Tradelines, payments, inquiries, public records and scores, in a normalized response. Explore Credit Reports
- Scorecast ### Analysis your team can act on Debts organized by creditor and type, utilization, derogatory items and a forward-looking forecast. Explore Scorecast

## Questions founders ask.

   Can we get credentialed without a track record?

We guide you through credentialing. It still requires verifying your company and your office, and we help you prepare each step.

  How long does approval take?

Approval typically takes about two weeks. Integration starts within 24 hours of first contact, and the two run in parallel.

  Can we build before we're approved?

Yes. Request sandbox credentials as soon as onboarding starts and build against the sandbox while verification runs.

  Do we need a dedicated office?

You need a secure business office or home office. We'll walk you through what that means for your setup.

  Are there minimums or long-term contracts?

No long-term contracts and no monthly minimums. You pay for what you pull.

## Related

- Solution ### Developers API, sandbox, and encrypted agent access.
- Product ### Soft Pull API Prequalify without affecting the consumer's credit score.
- Guide ### Soft pull vs. hard pull What each pull type means for the consumer.

## Start building while you onboard.

Request sandbox credentials, and we'll guide you through credentialing while you integrate.

  [Get Sandbox Access](/get-started/) [Book a Live Demo](/contact/)