Bloom Credit

aid: bloom-credit
url: https://raw.githubusercontent.com/api-evangelist/bloom-credit/refs/heads/main/apis.yml
name: Bloom Credit
description: 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.
tags:
- Credit Bureau
- Credit Reports
- Credit Scores
- Fintech
- Lending
- Personal Finance
type: Index
image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
access: 3rd-Party
created: '2025-02-24'
modified: '2026-05-19'
position: Consuming
specificationVersion: '0.19'
apis:
- aid: bloom-credit:bloom-credit-api
  name: Bloom Credit API
  description: RESTful API providing access to consumer credit data from Equifax, Experian, and TransUnion. Supports consumer
    registration with consent, tri-bureau credit report retrieval, FICO and VantageScore credit scores, trade line data, and
    real-time credit monitoring with webhook alerts. Requires API key authentication.
  humanURL: https://bloomcredit.io/
  tags:
  - Credit Bureau
  - Credit Reports
  - Credit Scores
  - Fintech
  - Lending
  properties:
  - type: Documentation
    url: https://bloomcredit.io/
  - type: OpenAPI
    url: openapi/bloom-credit-api-openapi.yaml
  - type: SpectralRules
    url: rules/bloom-credit-spectral-rules.yml
  - type: Vocabulary
    url: vocabulary/bloom-credit-vocabulary.yaml
  - type: NaftikoCapability
    url: capabilities/bloom-credit-consumers.yaml
  - type: NaftikoCapability
    url: capabilities/bloom-credit-credit-reports.yaml
  - type: NaftikoCapability
    url: capabilities/bloom-credit-credit-scores.yaml
  - type: NaftikoCapability
    url: capabilities/bloom-credit-monitoring.yaml
  - type: NaftikoCapability
    url: capabilities/bloom-credit-trade-lines.yaml
common:
- type: LinkedIn
  url: https://www.linkedin.com/company/bloomcredit
- type: Website
  url: https://bloomcredit.io/
- type: Documentation
  url: https://bloomcredit.io/
- type: GettingStarted
  url: https://bloomcredit.io/
- type: GitHubOrganization
  url: https://github.com/bloomcredit
- type: SDK
  url: https://github.com/bloomcredit/bloomPy
  title: Python SDK
- type: SDK
  url: https://github.com/bloomcredit/bloomTypescript
  title: TypeScript SDK
- type: TermsOfService
  url: https://bloomcredit.io/terms
- type: PrivacyPolicy
  url: https://bloomcredit.io/privacy
- type: SpectralRules
  url: rules/bloom-credit-spectral-rules.yml
- type: Vocabulary
  url: vocabulary/bloom-credit-vocabulary.yaml
- type: Features
  data:
  - name: Tri-Bureau Credit Reports
    description: Pull full credit reports from Equifax, Experian, and TransUnion in a single API call with structured trade
      line, inquiry, and public record data.
  - name: Credit Score Retrieval
    description: Access FICO 8, VantageScore 3.0, and other scoring models from all three major credit bureaus for comprehensive
      creditworthiness assessment.
  - name: Trade Line Data
    description: Retrieve individual account and trade line records including payment history, balances, credit limits, and
      account status across bureaus.
  - name: Real-Time Credit Monitoring
    description: Enroll consumers in monitoring subscriptions that trigger webhook alerts for new accounts, inquiries, derogatory
      marks, and score changes.
  - name: Consumer Consent Management
    description: Built-in consumer registration and consent workflow ensuring FCRA-compliant access to credit bureau data
      with auditable consent records.
  - name: Multi-Language SDKs
    description: Official SDKs for Python, TypeScript, Ruby, R, and Go enabling rapid integration into existing fintech and
      data science workflows.
- type: UseCases
  data:
  - name: Loan Underwriting
    description: Lenders pull tri-bureau credit reports and scores during loan origination to assess creditworthiness and
      determine loan terms.
  - name: Credit Building Apps
    description: Consumer fintech applications provide users with free credit score monitoring and personalized recommendations
      to improve their credit profiles.
  - name: Tenant Screening
    description: Property management platforms use Bloom Credit to run credit checks during rental application processing.
  - name: Credit Counseling
    description: Financial advisors and credit counselors access full credit reports and trade line data to create personalized
      debt management plans.
  - name: Account Origination
    description: Financial institutions use credit data during account opening to verify identity and assess risk for credit
      card and deposit products.
- type: Integrations
  data:
  - name: Equifax
    description: Direct integration with Equifax for credit report and score data including FICO 8 and other proprietary scoring
      models.
  - name: Experian
    description: Direct integration with Experian for credit reports, FICO scores, and VantageScore data with real-time data
      freshness.
  - name: TransUnion
    description: Direct integration with TransUnion for credit reports and scores with support for TransUnion-specific data
      attributes.
  - name: Plaid
    description: Complementary integration where Bloom Credit's credit data can be combined with Plaid's bank account and
      income verification for full financial profiles.
- type: LLMsTxt
  url: https://bloomcredit.io/llms.txt
maintainers:
- FN: Kin Lane
  email: [email protected]