Bloom Credit
Bloom Credit is a fintech infrastructure company providing API access to consumer credit data from all three major credit bureaus (Equifax, Experian, TransUnion). The platform enables fintechs, lenders, and financial services applications to retrieve credit reports, credit scores, trade line data, and enroll consumers in real-time credit monitoring. Bloom Credit provides multi-language SDKs (Python, Ruby, TypeScript, R, Go) and supports the Metro 2 credit reporting format.
APIs
Bloom Credit API
RESTful API providing access to consumer credit data from Equifax, Experian, and TransUnion. Supports consumer registration with consent, tri-bureau credit report retrieval, FIC...
Capabilities
Features
Pull full credit reports from Equifax, Experian, and TransUnion in a single API call with structured trade line, inquiry, and public record data.
Access FICO 8, VantageScore 3.0, and other scoring models from all three major credit bureaus for comprehensive creditworthiness assessment.
Retrieve individual account and trade line records including payment history, balances, credit limits, and account status across bureaus.
Enroll consumers in monitoring subscriptions that trigger webhook alerts for new accounts, inquiries, derogatory marks, and score changes.
Built-in consumer registration and consent workflow ensuring FCRA-compliant access to credit bureau data with auditable consent records.
Official SDKs for Python, TypeScript, Ruby, R, and Go enabling rapid integration into existing fintech and data science workflows.
Use Cases
Lenders pull tri-bureau credit reports and scores during loan origination to assess creditworthiness and determine loan terms.
Consumer fintech applications provide users with free credit score monitoring and personalized recommendations to improve their credit profiles.
Property management platforms use Bloom Credit to run credit checks during rental application processing.
Financial advisors and credit counselors access full credit reports and trade line data to create personalized debt management plans.
Financial institutions use credit data during account opening to verify identity and assess risk for credit card and deposit products.
Integrations
Direct integration with Equifax for credit report and score data including FICO 8 and other proprietary scoring models.
Direct integration with Experian for credit reports, FICO scores, and VantageScore data with real-time data freshness.
Direct integration with TransUnion for credit reports and scores with support for TransUnion-specific data attributes.
Complementary integration where Bloom Credit's credit data can be combined with Plaid's bank account and income verification for full financial profiles.