Save Time and Money with an API Connection

Over the years, more and more credit information tools have been developed, from desktop programs to mobile apps. These tools can pull together information from multiple sources for faster and more insightful credit decision making. This type of integration is made accessible to more companies through the use of API connections. APIs make it possible for smaller companies to have the capabilities of large corporations.

API stands for Application Programming Interface. Think of it as a wall socket of information that you can plug into and use as you see fit. If you have a system or application that you would like to pipe data into, an API will enable it with minimal effort. An API is like a wall socket, as opposed to a series of wires, because it provides a packaged standard for the connection that greatly decreases the time and cost required for integration. APIs efficiently enable integration of data into desktop applications, websites, mobile applications, decisioning systems and other systems that consume data.

In business credit management, an API connection can enable a company to integrate the capabilities of multiple credit bureaus into one system instead of requiring users to log into each bureau’s website separately. By connecting to each bureau, you can provide your users with a single interface for ordering credit reports. Similarly, you can pull in data from multiple credit bureaus into a single credit decisioning tool, which provides better decisions than a single-bureau tool.

BCR takes API integration one step further by providing you with a single API that can deliver reports in HTML or PDF from Experian, Dun & Bradstreet, and Equifax (with select packets available in XML). That’s up to three credit bureaus in one API connection!

While many of the credit bureaus charge up-front fees to set up and maintain API connections, BCR adds no fees to establish or maintain API connections. You only pay for the reports or data you use. There is also no commitment. You can cancel at any time.

Why waste the time and cost of building multiple API connections when you can get it all in one place at no extra charge? BCR makes it easy! Give us a call or send us an email and we’ll show you how easy it is to integrate with your favorite credit bureaus.