Connect API
Credit profile, Vantage 3 Score and Background Data Guide
Background Data Product delivers background reports which includes both criminal and housing court data for the permissible purpose of tenant screening.
How to get it?
We are offering it as part of a Bundle with the Credit Profile product, so our responses will follow the new Product Bundle structure.
We have 2 products:
- Credit Report and Background Data with 1 free share. Product Id 34.
- Credit Report and Background Data with unlimited free shares. Product ID 38.
You have to use /v3/report endpoint and you will get a response with the following structure:
Note
This is a sample response. Fields that are returned for criminal and housing court reports can vary. For further information, please see CIC's documentation.
{
"success": true,
"error": null,
"reports": {
"CreditProfile": {
"success": true,
"error": null,
"report": {
"Header": {
"ReportDate": "05/19/2023",
"ReportTime": "12:04:22 PM CT"
},
"ConsumerIdentity": [
{
"Name": {
"Type": {
"desc": null,
"code": null
},
"Surname": "AKKAYA",
"First": "JORGE",
"Middle": null
}
},
{
"Name": {
"Type": {
"desc": null,
"code": null
},
"Surname": "AKKAYA",
"First": "GEORGE",
"Middle": "HIRAM"
}
},
{
"Name": {
"Type": {
"desc": "AKA",
"code": "A"
},
"Surname": "EYUP",
"First": "JORGE",
"Middle": "H"
}
},
{
"Name": {
"Type": {
"desc": "AKA",
"code": "A"
},
"Surname": "EYUP",
"First": "QUINTERO",
"Middle": null
}
},
{
"Name": {
"Type": {
"desc": "AKA",
"code": "A"
},
"Surname": "EYUP",
"First": "GEORGE",
"Middle": null
}
}
],
"AddressInformation": [
{
"FirstReportedDate": "02/28/2019",
"LastUpdatedDate": "01/14/2023",
"Origination": {
"desc": "Update",
"code": "2"
},
"TimesReported": "0",
"LastReportingSubcode": "1945964",
"DwellingType": {
"desc": "Single-family dwelling",
"code": "S"
},
"HomeOwnership": {
"desc": "Single-family dwelling",
"code": null
},
"StreetPrefix": null,
"StreetName": "32 BROOK ST",
"StreetSuffix": null,
"City": "PATCHOGUE",
"State": "NY",
"Zip": "11772",
"CensusGeoCode": null,
"CountyCode": null
},
{
"FirstReportedDate": "04/09/2009",
"LastUpdatedDate": "02/18/2021",
"Origination": {
"desc": "Update",
"code": "1"
},
"TimesReported": "0",
"LastReportingSubcode": null,
"DwellingType": {
"desc": "Single-family dwelling",
"code": "S"
},
"HomeOwnership": {
"desc": "Single-family dwelling",
"code": null
},
"StreetPrefix": null,
"StreetName": "555 N 1ST ST",
"StreetSuffix": null,
"City": "NEW HYDE PARK",
"State": "NY",
"Zip": "11040",
"CensusGeoCode": null,
"CountyCode": null
},
{
"FirstReportedDate": "06/23/2016",
"LastUpdatedDate": "12/04/2020",
"Origination": {
"desc": "Update",
"code": "1"
},
"TimesReported": "26",
"LastReportingSubcode": null,
"DwellingType": {
"desc": "Post Office Box",
"code": "P"
},
"HomeOwnership": {
"desc": "Post Office Box",
"code": null
},
"StreetPrefix": null,
"StreetName": "PO BOX 276",
"StreetSuffix": null,
"City": "NEW HYDE PARK",
"State": "NY",
"Zip": "11040",
"CensusGeoCode": null,
"CountyCode": null
}
],
"EmploymentInformation": [
{
"FirstReportedDate": "02/2021",
"LastUpdatedDate": "10/2022",
"Origination": {
"desc": "Inquiry",
"code": "2"
},
"Name": "DEX MEDIA",
"AddressFirstLine": "OMAHA NE 68164",
"AddressSecondLine": null,
"AddressExtraLine": null,
"Zip": null
},
{
"FirstReportedDate": "04/2021",
"LastUpdatedDate": null,
"Origination": {
"desc": "Inquiry",
"code": "2"
},
"Name": "DEX",
"AddressFirstLine": null,
"AddressSecondLine": null,
"AddressExtraLine": null,
"Zip": null
}
],
"PublicRecord": null,
"Inquiry": [
{
"Date": "02/01/2023",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "0952216",
"KOB": {
"desc": "Real Estate/Public Accommodations -- Non-Specific",
"code": "RZ"
},
"SubscriberDisplayName": "GLENOAK VILLAGE OWNER"
},
{
"Date": "01/28/2023",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "6118520",
"KOB": {
"desc": "All Banks -- Non-Specific",
"code": "BB"
},
"SubscriberDisplayName": "TD BANK N.A."
},
{
"Date": "01/20/2023",
"Amount": "UNK",
"Type": {
"desc": "Real Estate Specific Type Unknown",
"code": "08"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "1988977",
"KOB": {
"desc": "Mortgage Reporters",
"code": "FR"
},
"SubscriberDisplayName": "EQUIFAX MORTGAGE SERVI"
},
{
"Date": "11/01/2022",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "0952216",
"KOB": {
"desc": "Real Estate/Public Accommodations -- Non-Specific",
"code": "RZ"
},
"SubscriberDisplayName": "GLENOAK VILLAGE OWNER"
},
{
"Date": "10/20/2022",
"Amount": "UNK",
"Type": {
"desc": "Real Estate Specific Type Unknown",
"code": "08"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "1988977",
"KOB": {
"desc": "Mortgage Reporters",
"code": "FR"
},
"SubscriberDisplayName": "EQUIFAX MORTGAGE SERVI"
},
{
"Date": "09/27/2022",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "2196090",
"KOB": {
"desc": "Automobile Dealers, Used",
"code": "AU"
},
"SubscriberDisplayName": "NOWCOM/DAN REED AUTOS"
},
{
"Date": "09/22/2022",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "1225210",
"KOB": {
"desc": "Bank Credit Cards",
"code": "BC"
},
"SubscriberDisplayName": "CAPITAL ONE FSB"
},
{
"Date": "09/21/2022",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "1220580",
"KOB": {
"desc": "Bank Credit Cards",
"code": "BC"
},
"SubscriberDisplayName": "CAP ONE"
},
{
"Date": "09/09/2022",
"Amount": "UNK",
"Type": {
"desc": "Unsecured Loan",
"code": "01"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "6118520",
"KOB": {
"desc": "All Banks -- Non-Specific",
"code": "BB"
},
"SubscriberDisplayName": "TD BANK N.A."
},
{
"Date": "08/16/2022",
"Amount": "UNK",
"Type": {
"desc": "Unsecured Loan",
"code": "01"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "6118520",
"KOB": {
"desc": "All Banks -- Non-Specific",
"code": "BB"
},
"SubscriberDisplayName": "TD BANK N.A."
},
{
"Date": "06/28/2022",
"Amount": "UNK",
"Type": {
"desc": "Unsecured Loan",
"code": "01"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "6118520",
"KOB": {
"desc": "All Banks -- Non-Specific",
"code": "BB"
},
"SubscriberDisplayName": "TD BANK N.A."
},
{
"Date": "06/27/2022",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "2196090",
"KOB": {
"desc": "Automobile Dealers, Used",
"code": "AU"
},
"SubscriberDisplayName": "NOWCOM/DAN REED AUTOS"
},
{
"Date": "06/22/2022",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "1225210",
"KOB": {
"desc": "Bank Credit Cards",
"code": "BC"
},
"SubscriberDisplayName": "CAPITAL ONE FSB"
},
{
"Date": "06/22/2022",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "6994025",
"KOB": {
"desc": "Contractors -- Non-Specific",
"code": "KZ"
},
"SubscriberDisplayName": "MISC. CONTRACTORS"
},
{
"Date": "06/21/2022",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "1220580",
"KOB": {
"desc": "Bank Credit Cards",
"code": "BC"
},
"SubscriberDisplayName": "CAP ONE"
},
{
"Date": "06/09/2022",
"Amount": "UNK",
"Type": {
"desc": "Real Estate Specific Type Unknown",
"code": "08"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "1988977",
"KOB": {
"desc": "Mortgage Reporters",
"code": "FR"
},
"SubscriberDisplayName": "EQUIFAX MORTGAGE SERVI"
},
{
"Date": "06/09/2022",
"Amount": "UNK",
"Type": {
"desc": "Unsecured Loan",
"code": "01"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "6118520",
"KOB": {
"desc": "All Banks -- Non-Specific",
"code": "BB"
},
"SubscriberDisplayName": "TD BANK N.A."
},
{
"Date": "05/23/2022",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "2145050",
"KOB": {
"desc": "Credit Card Processors",
"code": "WP"
},
"SubscriberDisplayName": "CREDIT CARD PROCESSORS"
},
{
"Date": "05/16/2022",
"Amount": "UNK",
"Type": {
"desc": "Unsecured Loan",
"code": "01"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "6118520",
"KOB": {
"desc": "All Banks -- Non-Specific",
"code": "BB"
},
"SubscriberDisplayName": "TD BANK N.A."
},
{
"Date": "03/28/2022",
"Amount": "UNK",
"Type": {
"desc": "Unsecured Loan",
"code": "01"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "6118520",
"KOB": {
"desc": "All Banks -- Non-Specific",
"code": "BB"
},
"SubscriberDisplayName": "TD BANK N.A."
},
{
"Date": "03/22/2022",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "6994025",
"KOB": {
"desc": "Contractors -- Non-Specific",
"code": "KZ"
},
"SubscriberDisplayName": "MISC. CONTRACTORS"
},
{
"Date": "03/09/2022",
"Amount": "UNK",
"Type": {
"desc": "Real Estate Specific Type Unknown",
"code": "08"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "1988977",
"KOB": {
"desc": "Mortgage Reporters",
"code": "FR"
},
"SubscriberDisplayName": "EQUIFAX MORTGAGE SERVI"
},
{
"Date": "02/23/2022",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "2145050",
"KOB": {
"desc": "Credit Card Processors",
"code": "WP"
},
"SubscriberDisplayName": "CREDIT CARD PROCESSORS"
},
{
"Date": "11/18/2021",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "2963480",
"KOB": {
"desc": "Auto Leasing",
"code": "AC"
},
"SubscriberDisplayName": "BK OF AMER"
},
{
"Date": "09/16/2021",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "3152580",
"KOB": {
"desc": "All Banks -- Non-Specific",
"code": "BB"
},
"SubscriberDisplayName": "TD BANK N.A."
},
{
"Date": "08/18/2021",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "2963480",
"KOB": {
"desc": "Auto Leasing",
"code": "AC"
},
"SubscriberDisplayName": "BK OF AMER"
},
{
"Date": "06/16/2021",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "3152580",
"KOB": {
"desc": "All Banks -- Non-Specific",
"code": "BB"
},
"SubscriberDisplayName": "TD BANK N.A."
},
{
"Date": "03/09/2021",
"Amount": "UNK",
"Type": {
"desc": "Unknown - Credit Extension, Review, Or Collection",
"code": "31"
},
"Terms": {
"desc": null,
"code": "N/A"
},
"Subcode": "3997964",
"KOB": {
"desc": "Equipment Leasing",
"code": "PC"
},
"SubscriberDisplayName": "EQUIPMENT LEASING"
}
],
"TradeLine": [
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "No additional review is required",
"code": "P"
},
"OpenDate": "02/15/2012",
"StatusDate": "03/01/2023",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Conventional Real Estate Loan, Including Purchase Money First",
"code": "26"
},
"TermsDuration": {
"desc": "20 Year",
"code": "240"
},
"ECOA": {
"desc": "Joint Account",
"code": "2"
},
"Amount": [
{
"Qualifier": {
"desc": "Original",
"code": "O"
},
"Value": "$157,500"
}
],
"BalanceDate": "03/05/2023",
"BalanceAmount": "$10,336",
"Status": {
"desc": "Current",
"code": "11"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "99",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "CCCCCCCCCCCCCCCCCCCCCCCCC",
"MonthlyPaymentAmount": "$2,659",
"MonthlyPaymentType": "Scheduled Term",
"LastPaymentDate": "02/02/2023",
"Subcode": "1880308",
"KOB": {
"desc": "Savings And Loan Companies",
"code": "FS"
},
"SubscriberDisplayName": "GREENPOINT MORTGAGE",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "03/01/2023",
"AccountCondition": {
"desc": "Open",
"code": "A1"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": "Conventional Real Estate Loan, Including Purchase Money First",
"code": "26"
},
"SpecialComment": {
"desc": null,
"code": null
}
},
"MaxPayment": null,
"FirstDelinquencyDate": null,
"SecondDelinquencyDate": null
},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "No additional review is required",
"code": "P"
},
"OpenDate": "02/28/2019",
"StatusDate": "02/01/2022",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Lease",
"code": "13"
},
"TermsDuration": {
"desc": "36 Month",
"code": "036"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Qualifier": {
"desc": "Original",
"code": "O"
},
"Value": "$20,376"
}
],
"BalanceDate": "02/28/2022",
"BalanceAmount": null,
"Status": {
"desc": "Paid satisfactorily",
"code": "12"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Closed",
"code": "C"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "38",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "BCCCCCCCCCCCCCCCCCCCCCCCC",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": null,
"LastPaymentDate": null,
"Subcode": "1680875",
"KOB": {
"desc": "Automobile Financing Company",
"code": "FA"
},
"SubscriberDisplayName": "JAGUAR CREDIT",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "02/01/2022",
"AccountCondition": {
"desc": "Paid/zero balance",
"code": "A2"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": "Lease",
"code": "13"
},
"SpecialComment": {
"desc": null,
"code": null
}
},
"MaxPayment": null,
"FirstDelinquencyDate": null,
"SecondDelinquencyDate": null
},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "No additional review is required",
"code": "P"
},
"OpenDate": "02/03/2016",
"StatusDate": "12/01/2020",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Auto Loan",
"code": "00"
},
"TermsDuration": {
"desc": "60 Month",
"code": "060"
},
"ECOA": {
"desc": "Cosigner",
"code": "5"
},
"Amount": [
{
"Qualifier": {
"desc": "Original",
"code": "O"
},
"Value": "$12,805"
}
],
"BalanceDate": "12/28/2020",
"BalanceAmount": null,
"Status": {
"desc": "Paid satisfactorily",
"code": "12"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Closed",
"code": "C"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "10",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "BCCCCCCCCC",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": null,
"LastPaymentDate": null,
"Subcode": "1100777",
"KOB": {
"desc": "All Banks -- Non-Specific",
"code": "BB"
},
"SubscriberDisplayName": "BANK",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "12/01/2020",
"AccountCondition": {
"desc": "Paid/zero balance",
"code": "A2"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": "Auto Loan",
"code": "00"
},
"SpecialComment": {
"desc": null,
"code": null
}
},
"MaxPayment": null,
"FirstDelinquencyDate": null,
"SecondDelinquencyDate": null
},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "No additional review is required",
"code": "P"
},
"OpenDate": "04/08/2017",
"StatusDate": "12/01/2020",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Auto Loan",
"code": "00"
},
"TermsDuration": {
"desc": "60 Month",
"code": "060"
},
"ECOA": {
"desc": "Cosigner",
"code": "5"
},
"Amount": [
{
"Qualifier": {
"desc": "Original",
"code": "O"
},
"Value": "$29,092"
}
],
"BalanceDate": "12/28/2020",
"BalanceAmount": null,
"Status": {
"desc": "Paid satisfactorily",
"code": "12"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Closed",
"code": "C"
},
"RevolvingOrInstallment": {
"desc": "Installment",
"code": "I"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "45",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "BCCCCCCCCCCCCCCCCCCCCCCCC",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": null,
"LastPaymentDate": null,
"Subcode": "3696046",
"KOB": {
"desc": "Automobile Financing Company",
"code": "FA"
},
"SubscriberDisplayName": "NISSAN MOTOR ACCEPTANC",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "12/01/2020",
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"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": "Credit Card",
"code": "18"
},
"SpecialComment": {
"desc": null,
"code": null
}
},
"MaxPayment": null,
"FirstDelinquencyDate": null,
"SecondDelinquencyDate": null
},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "No additional review is required",
"code": "P"
},
"OpenDate": "02/26/2012",
"StatusDate": "12/01/2020",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Revolving Charge Account",
"code": "07"
},
"TermsDuration": {
"desc": "Revolving",
"code": "REV"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Qualifier": {
"desc": "Limit",
"code": "L"
},
"Value": "$850"
},
{
"Qualifier": {
"desc": "High balance",
"code": "H"
},
"Value": "$792"
}
],
"BalanceDate": "12/15/2020",
"BalanceAmount": "$0",
"Status": {
"desc": "Current",
"code": "11"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Revolving",
"code": "R"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "85",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "0000000000000000000000000",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": "Estimated",
"LastPaymentDate": "01/01/2013",
"Subcode": "2390475",
"KOB": {
"desc": "Complete Department Stores",
"code": "DC"
},
"SubscriberDisplayName": "COMPLETE DEPT. STORES",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "12/01/2020",
"AccountCondition": {
"desc": "Open",
"code": "A1"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": "Revolving Charge Account",
"code": "07"
},
"SpecialComment": {
"desc": null,
"code": null
}
},
"MaxPayment": null,
"FirstDelinquencyDate": null,
"SecondDelinquencyDate": null
},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "No additional review is required",
"code": "P"
},
"OpenDate": "02/26/2012",
"StatusDate": "12/01/2020",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Revolving Charge Account",
"code": "07"
},
"TermsDuration": {
"desc": "Revolving",
"code": "REV"
},
"ECOA": {
"desc": "Individual",
"code": "1"
},
"Amount": [
{
"Qualifier": {
"desc": "High balance",
"code": "H"
},
"Value": "$792"
}
],
"BalanceDate": "12/15/2020",
"BalanceAmount": "$0",
"Status": {
"desc": "Current",
"code": "11"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Revolving",
"code": "R"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "85",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "0000000000000000000000000",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": "Estimated",
"LastPaymentDate": "01/01/2013",
"Subcode": "2390475",
"KOB": {
"desc": "Complete Department Stores",
"code": "DC"
},
"SubscriberDisplayName": "COMPLETE DEPT. STORES",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "12/01/2020",
"AccountCondition": {
"desc": "Open",
"code": "A1"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": "Revolving Charge Account",
"code": "07"
},
"SpecialComment": {
"desc": null,
"code": null
}
},
"MaxPayment": null,
"FirstDelinquencyDate": null,
"SecondDelinquencyDate": null
},
{
"SpecialComment": {
"desc": null,
"code": null
},
"Evaluation": {
"desc": "No additional review is required",
"code": "P"
},
"OpenDate": "11/03/2014",
"StatusDate": "01/01/2020",
"MaxDelinquencyDate": null,
"AccountType": {
"desc": "Revolving Charge Account",
"code": "07"
},
"TermsDuration": {
"desc": "Revolving",
"code": "REV"
},
"ECOA": {
"desc": "Joint Account",
"code": "4"
},
"Amount": [
{
"Qualifier": {
"desc": "Limit",
"code": "L"
},
"Value": "$8,188"
},
{
"Qualifier": {
"desc": "High balance",
"code": "H"
},
"Value": "$8,188"
}
],
"BalanceDate": "01/02/2020",
"BalanceAmount": "$0",
"Status": {
"desc": "Current",
"code": "11"
},
"AmountPastDue": null,
"OpenOrClosed": {
"desc": "Open",
"code": "O"
},
"RevolvingOrInstallment": {
"desc": "Revolving",
"code": "R"
},
"ConsumerComment": null,
"AccountNumber": "",
"MonthsHistory": "62",
"DelinquenciesOver30Days": "0",
"DelinquenciesOver60Days": "0",
"DelinquenciesOver90Days": "0",
"DerogCounter": "0",
"PaymentProfile": "0CCCCCCCCCCCCCCCCCCCCCCCC",
"MonthlyPaymentAmount": null,
"MonthlyPaymentType": "Estimated",
"LastPaymentDate": "12/22/2019",
"Subcode": "2156646",
"KOB": {
"desc": "All Banks -- Non-Specific",
"code": "BB"
},
"SubscriberDisplayName": "CAP ONE/BERNIE&PHYLS",
"EnhancedPaymentData": {
"InitialPaymentLevelDate": "01/01/2020",
"AccountCondition": {
"desc": "Inactive",
"code": "A4"
},
"PaymentStatus": {
"desc": "Current",
"code": "11"
},
"AccountType": {
"desc": "Revolving Charge Account",
"code": "07"
},
"SpecialComment": {
"desc": null,
"code": null
}
},
"MaxPayment": null,
"FirstDelinquencyDate": null,
"SecondDelinquencyDate": null
}
],
"RiskModel": [
{
"positiveScoreFactorCodeOne": "P12",
"positiveScoreFactorCodeTwo": "P72",
"positiveScoreFactorCodeThree": "P32",
"positiveScoreFactorCodeFour": "P44",
"ModelIndicator": {
"desc": "Vantage Score 3.0",
"code": "V3"
},
"Score": "744",
"ScoreFactorCodeOne": "85",
"ScoreFactorCodeTwo": "34",
"ScoreFactorCodeThree": "36",
"ScoreFactorCodeFour": "04",
"ScoreFactorCodeFive": null,
"Evaluation": {
"desc": null,
"code": null
}
}
],
"ConsumerAssistanceReferralAddress": {
"OfficeName": "EXPERIAN",
"StreetName": "701 EXPERIAN PARKWAY",
"POBox": "PO BOX 2002",
"CityStateZip": "ALLEN, TX 75013",
"Phone": "(888) 397-3742"
},
"ProfileSummary": {
"DisputedAccountsExcluded": 0,
"DelinquenciesOver30Days": 0,
"DelinquenciesOver60Days": 0,
"DelinquenciesOver90Days": 0,
"DerogCounter": 0,
"PublicRecordsCount": 0,
"TotalInquiries": 0,
"MonthlyPaymentPartialFlagDesc": null,
"InquiriesDuringLast6Months": 0,
"NowDelinquentDerog": 0,
"RealEstatePaymentPartialFlagDesc": null,
"TotalTradeItems": 0,
"WasDelinquentDerog": 0,
"RevolvingAvailablePartialFlagDesc": null,
"PaidAccounts": 0,
"hasProfileSummary": false,
"InstallmentBalance": null,
"MonthlyPayment": null,
"PastDueAmount": null,
"RealEstateBalance": null,
"RealEstatePayment": null,
"RevolvingBalance": null,
"RevolvingAvailablePercent": null,
"OldestTradeOpenDate": null,
"Y2KOldestTradeline": null,
"SatisfactoryAccount": 0
},
"Statement": null,
"InformationalMessage": [
{
"MessageNumber": "84",
"MessageText": "0084 SSN MATCHES"
}
]
}
},
"BackgroundData": {
"success": true,
"error": null,
"report": {
"criminalReport": {
"success": true,
"response": {
"XMLCRIM": {
"OrderResponse": {
"DOBSupplied": "12/28/1959",
"Message": "Request Results",
"LAST": "AKKAYA",
"Reference": "TESTCASE",
"ResponseID": "23",
"FIRST": "JORGE",
"MIDDLE": "",
"Name": "Akkaya,Jorge"
},
"CICcriminal": {
"Candidates": {
"Candidate": [
{
"Offenses": {
"count": "1",
"Offense": {
"Description": "SHOPLIFTING",
"FilingDate": "07/30/2013",
"CaseType": "MISDEMEANOR",
"Disposition": "PLEA GUILTY/RESP SENT IMPOSED",
"DispositionDate": "08/14/2013",
"Court": "AJO JUSTICE"
}
},
"Subject": {
"Jurisdiction": "PIMA",
"Category": "CRIMINAL/TRAFFIC",
"Address": "7977 N CAMERON AVENUE, AJO, AZ, 85321",
"DOB": "10/28/1959",
"State": "AZ",
"FullName": "JORGE AKKAYA",
"Sex": "MALE",
"Race": "WHITE",
"CaseNumber": "J-1003-CR-201388059",
"DriversLicense": "AZ C82188537",
"Source": "AZ ADMINISTRATIVE OFFICE OF COURTS"
}
},
{
"Offenses": {
"count": "2",
"Offense": [
{
"Description": "DRUG PARAPHERNALIA-POSSESS/USE",
"FilingDate": "04/23/2015",
"CaseType": "MISDEMEANOR",
"Disposition": "GUILTY",
"DispositionDate": "05/20/2015",
"Court": "AJO JUSTICE"
},
{
"Description": "DRUG PARAPHERNALIA-POSSESS/USE",
"FilingDate": "04/23/2015",
"CaseType": "MISDEMEANOR",
"Disposition": "PLEA GUILTY/RESP SENT IMPOSED",
"DispositionDate": "05/20/2015",
"Court": "AJO JUSTICE"
}
]
},
"Subject": {
"Jurisdiction": "PIMA",
"Category": "CRIMINAL/TRAFFIC",
"Address": "7977 N. CAMERON AVE, AJO, AZ, 85321",
"DOB": "10/28/1959",
"State": "AZ",
"FullName": "JORGE AKKAYA",
"Sex": "MALE",
"Race": "WHITE",
"CaseNumber": "J-1003-CR-201588770",
"DriversLicense": "AZ C82188537",
"Source": "AZ ADMINISTRATIVE OFFICE OF COURTS"
}
},
{
"Offenses": {
"count": "1",
"Offense": {
"Description": "DRUG PARAPHERNALIA-POSSESS/USE",
"FilingDate": "09/16/2015",
"CaseType": "MISDEMEANOR",
"Disposition": "PLEA GUILTY/RESP SENT IMPOSED",
"DispositionDate": "09/16/2015",
"Court": "AJO JUSTICE"
}
},
"Subject": {
"Jurisdiction": "PIMA",
"Category": "CRIMINAL/TRAFFIC",
"Address": "7977 N CAMERON AVENUE, AJO, AZ, 85321",
"DOB": "10/28/1959",
"State": "AZ",
"FullName": "JORGE AKKAYA",
"Sex": "MALE",
"Race": "WHITE",
"CaseNumber": "J-1003-CR-201588071",
"DriversLicense": "AZ C82188537",
"Source": "AZ ADMINISTRATIVE OFFICE OF COURTS"
}
},
{
"Offenses": {
"count": "1",
"Offense": {
"ConvictionDate": "04/24/2014",
"Description": "FIRST DEGREE SEXUAL ASSAULT OF A CHILD",
"Statute": "948.02(1)",
"ConvictionLocation": "WI"
}
},
"Subject": {
"Category": "SEX OFFENDER",
"Address": "CALLE MIQUEL HILDALGO 29 PLAN DE LIMON, VERACRUZ, WI, 93538",
"Comments": "Registration End: Life registration; Compliance: NON-COMPLIANT; Photo Date: 07/31/2014;ETHNICITY: HISPANIC; ID NUMBERS: DOC #:88375211; OFFENDER REGISTER DATE: 04/24/2014",
"Sex": "MALE",
"Image": "https://www.crimimages.net/images/getPhoto.aspx?photo=1tlFkN1tbjX%2fZkfig1MgZ4Yj57Th2N1%2flPtax0Kugy4%3d",
"HairColor": "BROWN",
"Source": "WI SEX OFFENDER REGISTRY",
"Weight": "123 LBS",
"EyeColor": "BROWN",
"Alias": "JOE AKKAYA, JOE ALFREDO AKKAYA",
"FullName": "JORGE AKKAYA",
"Race": "WHITE",
"CaseNumber": "2011CF888705",
"Height": "5'4\"",
"Age": "25"
}
},
{
"Offenses": {
"count": "1",
"Offense": {
"ConvictionDate": "04/24/2014",
"Description": "FIRST-DEGREE SEXUAL ASSAULT OF A CHILD",
"Statute": "948.02(1)",
"ConvictionLocation": "WI"
}
},
"Subject": {
"Category": "SEX OFFENDER",
"Comments": "Registration End: Life registration; Compliance: COMPLIANT; Photo Date: 07/31/2014;ETHNICITY: HISPANIC; ID NUMBERS: DOC #:88375211; OFFENDER REGISTER DATE: 04/24/2014",
"Sex": "MALE",
"Image": "https://www.crimimages.net/images/getPhoto.aspx?photo=1tlFkN1tbjX%2fZkfig1MgZ4Yj57Th2N1%2flPtax0Kugy4%3d",
"HairColor": "BROWN",
"Source": "WI SEX OFFENDER REGISTRY",
"Weight": "123 LBS.",
"EyeColor": "BROWN",
"Alias": "JOE AKKAYA, JOE ALFREDO AKKAYA",
"FullName": "JORGE AKKAYA",
"Race": "WHITE",
"CaseNumber": "2011CF888705",
"Height": "5' 4\"",
"Age": "23"
}
},
{
"Offenses": {
"count": "1",
"Offense": {
"ConvictionDate": "12/09/2005",
"Description": "9A.44.073 - RAPE OF A CHILD IN THE FIRST DEGREE",
"Statute": "9A.44.073"
}
},
"Subject": {
"Category": "SEX OFFENDER",
"Address": "TRANSIENT, PIERCE CO,",
"Comments": "ID NUMBERS: REGISTRATION NUMBER:247390; OFFENDER RISK LEVEL: TRANSIENT LEVEL I",
"Sex": "MALE",
"HairColor": "BLACK",
"Source": "WA SEX OFFENDER REGISTRY",
"Weight": "245 LBS",
"EyeColor": "BROWN",
"ScarsMarks": "SCAR ON LWRIST (BURN SCAR)",
"FullName": "JORGE AKKAYA",
"Race": "HISPANIC",
"Height": "6 FEET 00 INCHES",
"Age": "25"
}
}
],
"count": "6"
}
}
}
}
},
"evictionReport": {
"success": true,
"response": {
"XML2025": {
"Response": {
"Candidate": [
{
"Address": "272 LANDINGS",
"Zone": "West-4",
"FirstName": "JORGE",
"State": "FL",
"ZipCode": "32952",
"Activity": {
"Judgement_Rel_Date": "",
"Plaintiff_Phone": "",
"Notice_Type": "",
"Judgement_Sat_Amount": "",
"Judgement_Date": "06-11-2018",
"Default": "0",
"Plaintiff_Atty_Phone": "321-394-7759",
"Court": "499",
"Plaintiff": "SCHNEIDER*JEROME",
"Judgement_For": "",
"Judgement": "P",
"Judgement_Amount": "",
"Filing_Date": "05-13-2018",
"Plaintiff_Atty": "BONNIE ELLEN HAIG",
"Case_No": "CC023625"
},
"LastName": "AKKAYA",
"City": "MERRITT ISLAND",
"Middle": ""
},
{
"Address": "8629 ALBEMARLE",
"Zone": "West-4",
"FirstName": "JORGE",
"State": "FL",
"ZipCode": "32901",
"Activity": {
"Judgement_Rel_Date": "",
"Plaintiff_Phone": "",
"Notice_Type": "",
"Judgement_Sat_Amount": "",
"Judgement_Date": "",
"Default": "0",
"Plaintiff_Atty_Phone": "",
"Court": "499",
"Plaintiff": "LEVINE*RICHARD",
"Judgement_For": "",
"Judgement": "",
"Judgement_Amount": "",
"Filing_Date": "12-17-2022",
"Plaintiff_Atty": "PRO PER",
"Case_No": "CC029871"
},
"LastName": "AKKAYA",
"City": "MELBOURNE",
"Middle": ""
},
{
"Address": "8629 ALBEMARLE",
"Zone": "West-4",
"FirstName": "JORGE",
"State": "FL",
"ZipCode": "32901",
"Activity": {
"Judgement_Rel_Date": "",
"Plaintiff_Phone": "",
"Notice_Type": "",
"Judgement_Sat_Amount": "",
"Judgement_Date": "",
"Default": "0",
"Plaintiff_Atty_Phone": "",
"Court": "499",
"Plaintiff": "MERRITT ISLAND GARDEN APRATMENTS",
"Judgement_For": "",
"Judgement": "",
"Judgement_Amount": "",
"Filing_Date": "07-12-2018",
"Plaintiff_Atty": "PRO PER",
"Case_No": "CC095469"
},
"LastName": "AKKAYA",
"City": "MELBOURNE",
"Middle": "MARIE"
},
{
"Address": "889 LIGUSTRUM LN#105",
"Zone": "West-4",
"FirstName": "JORGE",
"State": "FL",
"ZipCode": "32953",
"Activity": {
"Judgement_Rel_Date": "",
"Dismissal_Date": "",
"Notice_Type": "PAY OR QUIT",
"Judgement_Sat_Amount": "",
"Judgement_Date": "",
"Default": "",
"Plaintiff_Atty_Phone": "",
"Court": "BREVARD COUNTY CIRCUIT COURT",
"Plaintiff": "MERRITT ISLAND GARDEN APRATMENTS",
"Judgement": "",
"Judgement_Amount": "0",
"Filing_Date": "07-12-2022",
"Plaintiff_Atty": "",
"Case_No": "052010CC095469"
},
"LastName": "AKKAYA",
"City": "MERRITT ISLAND",
"Middle": "M"
},
{
"Address": "8629 ALBEMARLE ST#H1",
"Zone": "West-4",
"FirstName": "JORGE",
"State": "FL",
"ZipCode": "32901",
"Activity": {
"Judgement_Rel_Date": "",
"Dismissal_Date": "",
"Notice_Type": "",
"Judgement_Sat_Amount": "",
"Judgement_Date": "01-06-2017",
"Default": "",
"Plaintiff_Atty_Phone": "",
"Court": "BREVARD COUNTY CIRCUIT COURT",
"Plaintiff": "RICHARD LEVINE",
"Judgement": "PLAINTIFF",
"Judgement_Amount": "0",
"Filing_Date": "",
"Plaintiff_Atty": "",
"Case_No": "14CC029871"
},
"LastName": "AKKAYA",
"City": "MELBOURNE",
"Middle": ""
},
{
"Address": "272 LANDINGS WAY#73",
"Zone": "West-4",
"FirstName": "JORGE",
"State": "FL",
"ZipCode": "32952",
"Activity": {
"Judgement_Rel_Date": "",
"Dismissal_Date": "",
"Notice_Type": "PAY OR QUIT",
"Judgement_Sat_Amount": "",
"Judgement_Date": "",
"Default": "",
"Plaintiff_Atty_Phone": "",
"Court": "BREVARD COUNTY CIRCUIT COURT",
"Plaintiff": "SCHNEIDER JEROME",
"Judgement": "",
"Judgement_Amount": "0",
"Filing_Date": "05-13-2013",
"Plaintiff_Atty": "",
"Case_No": "052013CC083625"
},
"LastName": "AKKAYA",
"City": "MERRITT ISLAND",
"Middle": ""
},
{
"Address": "272 LANDINGS WY#7",
"Zone": "West-4",
"FirstName": "JORGE",
"State": "FL",
"ZipCode": "32952",
"Activity": {
"Judgement_Rel_Date": "",
"Dismissal_Date": "",
"Notice_Type": "",
"Judgement_Sat_Amount": "",
"Judgement_Date": "06-11-2013",
"Default": "",
"Plaintiff_Atty_Phone": "",
"Court": "BREVARD COUNTY CIRCUIT COURT",
"Plaintiff": "JERMONE SCHNEIDER",
"Judgement": "SATISFIED",
"Judgement_Amount": "0",
"Filing_Date": "",
"Plaintiff_Atty": "",
"Case_No": "13CC83625"
},
"LastName": "AKKAYA",
"City": "MERRITT ISLAND",
"Middle": ""
}
],
"Count_National-1": "0",
"Count_West-4": "7",
"Count": "7"
},
"OrderResponse": {
"DOBSupplied": "10/28/1959",
"Message": "Request Processed Successfully",
"LAST": "AKKAYA",
"Reference": "TESTCASE",
"ResponseID": "31",
"FIRST": "JORGE",
"MIDDLE": "",
"Name": "Akkaya,Jorge"
}
}
}
}
}
}
},
"transactionId": "195577"
}
Please notice that there are two reports in the response: CreditProfile and BackgroundData
BackgroundData includes two sections: evictionReport and criminalReport
Both housing court and criminal have their own
OrderResponse and response.
OrderReponse contains response information such as ID, Consumer Name and Error or informational Messages. response contains the report itself
More Information
For more information about Product Bundles, see the Product Bundle Guide
Credit Profile/Background Data bundle uses V3 Error Codes for Bundles
Required Fields in v3/user endpoint - SSN,DOB
SSN and DOB fields in v3/user endpoint
In order to pull Background Data, ssn and dob should have been provided, when registering the consumer. In the event of SSN/DOB/SSN &DOB are missing, the consumer will still get the Credit report, and error message will be sent for Background report . Please build your UI accordingly.
Consumer registered without passing SSN
curl --location --request POST 'https://uat-us-api.experian.com/connectapi/v3/report' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--header 'Authorization: Bearer eyJraWQiOiJFSmpTMXJQQjdJODBHWjgybmNsSlZPQkF3V3B3ZTVYblNKZUdSZHdpcEY1IiwidHlwIjoiSldUIiwiYWxnIjoiUlMyNTYifQ.eyJzdWIiOiJjYXBpX2RlbW8zIiwiRW1haWwiOiJNQVdBU3VwcG9ydEBleHBlcmlhbi5jb20iLCJGaXJzdE5hbWUiOiJLb2tpbGEiLCJpc3MiOiJFWFBFUklBTiIsIkxhc3ROYW1lIjoiTmF0YXJhamFuIiwiZXhwIjoxNjE2NDc0ODgzLCJpYXQiOjE2MTY0NzMwODMsImp0aSI6ImQyNTIyNmYwLTUzNDEtNDg4OC04YzQ5LTliNTk0Yzc3Y2MyYiJ9.pol-Y9AG3oVKVqZxEmYXFie7bYWHUWHSLYiNPMoK5RO9IzybL9FsKPkdl8W6p3HRLVxLN9rWcu7kODzwHFo4ZJeuD2OpkhN_R2gXMqENMGSydPgOh7IDk6igixy4WS_-nbIjX4VtfcfyoGJN4G_sxTaUfJ826ogJDbPyjJkm7V9qPPxRsw_zmpbXWHji0meek_lx2rGuZ1vSbXz-MGVOJz9bj-ZCCu32xEUtJDF-mN0wjSgOVm5UJRFUdfusgmQSNTeJp3O8QEy1klDI35ivHFbiaC0Q8SLJBpvDKFriHAE783e4NzHY_CHKXR9rVlCIXNosQ6vchOhb9SSKupvXxw' \
--data-urlencode 'productId=34' \
--data-urlencode 'consumerToken=YzkzOGU5NDUtNzdlMy00NjQ0LTkwZDQtNTY0NmJiYjRhYWM1' \
--data-urlencode 'purposeType=1'
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Consumer registered without passing DOB
curl --location --request POST 'https://uat-us-api.experian.com/connectapi/v3/report' \
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Consumer registered without passing DOB and SSN
curl --location --request POST 'https://uat-us-api.experian.com/connectapi/v3/report' \
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--data-urlencode 'productId=34' \
--data-urlencode 'consumerToken=NTQ0MzFiZmItNWIxOC00MTNhLWIxZmMtZGY1NWVjOTM4MjIz' \
--data-urlencode 'purposeType=1'
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dwelling","code":null},"StreetPrefix":null,"StreetName":"360 HAMBRIDGE CT","StreetSuffix":null,"City":"LAWRENCEVILLE","State":"GA","Zip":"30043","CensusGeoCode":null,"CountyCode":null},{"FirstReportedDate":"07/23/2020","LastUpdatedDate":"07/23/2020","Origination":{"desc":"Inquiry","code":"6"},"TimesReported":"0","LastReportingSubcode":null,"DwellingType":{"desc":"Apartment complex","code":"A"},"HomeOwnership":{"desc":"Apartment complex","code":null},"StreetPrefix":null,"StreetName":"4440 SATURN RD APT 157","StreetSuffix":null,"City":"GARLAND","State":"TX","Zip":"75041","CensusGeoCode":null,"CountyCode":null}],"EmploymentInformation":[{"FirstReportedDate":"02/2008","LastUpdatedDate":null,"Origination":{"desc":"Inquiry","code":"2"},"Name":"CLAYTON COUNTY WATER","AddressFirstLine":"1600 BATTLE CREEK ROAD","AddressSecondLine":"MORROW GA 30260","AddressExtraLine":null,"Zip":"30260"}],"PublicRecord":[{"Status":{"desc":"Bankruptcy chapter 13-dismissed","code":"16"},"StatusDate":"10/21/2019","FilingDate":"10/05/2017","Evaluation":{"desc":"Negative","code":"N"},"Amount":null,"ConsumerComment":null,"Court":{"desc":"US BKPT CT GA ATLANTA","code":"1008000"},"ReferenceNumber":"9563325","PlaintiffName":null,"DisputeFlag":null,"ECOA":{"desc":"Individual","code":"1"},"Bankruptcy":{"Type":{"desc":null,"code":null},"AssetAmount":"$0","LiabilitiesAmount":"$0","RepaymentPercent":null,"AdjustmentPercent":null},"BookPageSequence":null},{"Status":{"desc":"Bankruptcy Chapter 13-petition filed","code":"13"},"StatusDate":"09/26/2015","FilingDate":"09/26/2015","Evaluation":{"desc":"Negative","code":"N"},"Amount":"UNK","ConsumerComment":null,"Court":{"desc":"US BKPT CT GA ATLANTA","code":"1008000"},"ReferenceNumber":"9366081","PlaintiffName":null,"DisputeFlag":null,"ECOA":{"desc":null,"code":null},"Bankruptcy":{"Type":{"desc":null,"code":null},"AssetAmount":"$0","LiabilitiesAmount":"UNK","RepaymentPercent":null,"AdjustmentPercent":null},"BookPageSequence":null}],"Inquiry":[{"Date":"07/23/2020","Amount":"UNK","Type":{"desc":"Unknown - Credit Extension, Review, Or Collection","code":"31"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"0600023","KOB":{"desc":"Automobile Financing Company","code":"FA"},"SubscriberDisplayName":"DT CREDIT"},{"Date":"05/23/2020","Amount":"UNK","Type":{"desc":"Real Estate Specific Type Unknown","code":"08"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1973267","KOB":{"desc":"Mortgage Reporters","code":"FR"},"SubscriberDisplayName":"EQUIFAX-LANDAM"},{"Date":"01/11/2020","Amount":"UNK","Type":{"desc":"Real Estate Specific Type Unknown","code":"08"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"0980268","KOB":{"desc":"Mortgage Reporters","code":"FR"},"SubscriberDisplayName":"SOUTHERN MORTGAGE RPTN"},{"Date":"03/15/2019","Amount":"UNK","Type":{"desc":"Automated Mortgage Report","code":"86"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"2951118","KOB":{"desc":null,"code":null},"SubscriberDisplayName":"SERVICE & PROF"}],"TradeLine":[{"SpecialComment":{"desc":"ACCOUNT TRANSFERRED TO ANOTHER LENDER","code":"31"},"Evaluation":{"desc":"Closer review is required","code":"N"},"OpenDate":"01/22/2017","StatusDate":"04/01/2018","MaxDelinquencyDate":null,"AccountType":{"desc":"Fha Real Estate Loan","code":"19"},"TermsDuration":{"desc":"31 Year","code":"372"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Original","code":"O"},"Value":"$55,500"}],"BalanceDate":"04/28/2018","BalanceAmount":"$0","Status":{"desc":"Transferred","code":"05"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Closed","code":"C"},"RevolvingOrInstallment":{"desc":"Installment","code":"I"},"ConsumerComment":"Transferred to another lender","AccountNumber":"","MonthsHistory":"12","DelinquenciesOver30Days":"2","DelinquenciesOver60Days":"1","DelinquenciesOver90Days":"3","DerogCounter":"0","PaymentProfile":"B54321C1CCCC","MonthlyPaymentAmount":null,"MonthlyPaymentType":null,"LastPaymentDate":null,"Subcode":"3997547","KOB":{"desc":null,"code":null},"SubscriberDisplayName":"SERVICE & PROF","EnhancedPaymentData":{"InitialPaymentLevelDate":"04/01/2018","AccountCondition":{"desc":"Transferred","code":"05"},"PaymentStatus":{"desc":"150 days past due","code":"83"},"AccountType":{"desc":"Fha Real Estate Loan","code":"19"},"SpecialComment":{"desc":"ACCOUNT TRANSFERRED TO ANOTHER LENDER","code":"31"}},"MaxPayment":null,"FirstDelinquencyDate":"03/01/2018","SecondDelinquencyDate":"02/01/2018"},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"Closer review is required","code":"N"},"OpenDate":"01/22/2017","StatusDate":"11/01/2018","MaxDelinquencyDate":null,"AccountType":{"desc":"Conventional Real Estate Loan, Including Purchase Money First","code":"26"},"TermsDuration":{"desc":"30 Year","code":"360"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Original","code":"O"},"Value":"$55,500"}],"BalanceDate":"03/04/2019","BalanceAmount":"$55,259","Status":{"desc":"180 days past due","code":"84"},"AmountPastDue":"$6,583","OpenOrClosed":{"desc":"Open","code":"O"},"RevolvingOrInstallment":{"desc":"Installment","code":"I"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"5","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"5","DerogCounter":"0","PaymentProfile":"66666","MonthlyPaymentAmount":"$506","MonthlyPaymentType":"Scheduled Term","LastPaymentDate":"01/01/2018","Subcode":"3828437","KOB":{"desc":"Savings And Loan Companies","code":"FS"},"SubscriberDisplayName":"FIRST NATIONWIDE MTG","EnhancedPaymentData":{"InitialPaymentLevelDate":"11/01/2018","AccountCondition":{"desc":"Open","code":"A1"},"PaymentStatus":{"desc":"180 days past due","code":"84"},"AccountType":{"desc":"Conventional Real Estate Loan, Including Purchase Money First","code":"26"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":"03/01/2019","SecondDelinquencyDate":"02/01/2019"},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"Closer review is required","code":"N"},"OpenDate":"01/22/2017","StatusDate":"10/01/2017","MaxDelinquencyDate":null,"AccountType":{"desc":"Fha Real Estate Loan","code":"19"},"TermsDuration":{"desc":"30 Year","code":"360"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Original","code":"O"},"Value":"$55,500"}],"BalanceDate":"10/28/2017","BalanceAmount":"$0","Status":{"desc":"90 days past due","code":"80"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Open","code":"O"},"RevolvingOrInstallment":{"desc":"Installment","code":"I"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"6","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"1","DelinquenciesOver90Days":"1","DerogCounter":"0","PaymentProfile":"32","MonthlyPaymentAmount":null,"MonthlyPaymentType":null,"LastPaymentDate":null,"Subcode":"3997547","KOB":{"desc":null,"code":null},"SubscriberDisplayName":"SERVICE & PROF","EnhancedPaymentData":{"InitialPaymentLevelDate":"10/01/2017","AccountCondition":{"desc":"Open","code":"A1"},"PaymentStatus":{"desc":"90 days past due","code":"80"},"AccountType":{"desc":"Fha Real Estate Loan","code":"19"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":"10/01/2017","SecondDelinquencyDate":"09/01/2017"}],"RiskModel":[{"positiveScoreFactorCodeOne":"P49","positiveScoreFactorCodeTwo":"P95","positiveScoreFactorCodeThree":"P88","positiveScoreFactorCodeFour":"P14","ModelIndicator":{"desc":"Vantage Score 3.0","code":"V3"},"Score":"547","ScoreFactorCodeOne":"98","ScoreFactorCodeTwo":"08","ScoreFactorCodeThree":"15","ScoreFactorCodeFour":"21","ScoreFactorCodeFive":"84","Evaluation":{"desc":null,"code":null}}],"ConsumerAssistanceReferralAddress":{"OfficeName":"EXPERIAN","StreetName":"701 EXPERIAN PARKWAY","POBox":"PO BOX 2002","CityStateZip":"ALLEN, TX 75013","Phone":"(888) 397-3742"},"ProfileSummary":{"DisputedAccountsExcluded":0,"DelinquenciesOver30Days":0,"DelinquenciesOver60Days":0,"DelinquenciesOver90Days":0,"DerogCounter":0,"PublicRecordsCount":0,"TotalInquiries":0,"MonthlyPaymentPartialFlagDesc":null,"InquiriesDuringLast6Months":0,"NowDelinquentDerog":0,"RealEstatePaymentPartialFlagDesc":null,"TotalTradeItems":0,"WasDelinquentDerog":0,"RevolvingAvailablePartialFlagDesc":null,"PaidAccounts":0,"hasProfileSummary":false,"InstallmentBalance":null,"MonthlyPayment":null,"PastDueAmount":null,"RealEstateBalance":null,"RealEstatePayment":null,"RevolvingBalance":null,"RevolvingAvailablePercent":null,"OldestTradeOpenDate":null,"Y2KOldestTradeline":null,"SatisfactoryAccount":0},"Statement":null,"InformationalMessage":[{"MessageNumber":"83","MessageText":"0083 SSN NOT PROVIDED"}]}},"BackgroundData":{"success":false,"error":{"Code":"1004","Message":"Invalid Request","Status":400,"FieldErrors":{"dob":"This field is required when requesting BackgroundData","ssn":"This field is required when requesting BackgroundData"}},"report":null}},"transactionId":"1739877"}
Optional parameters in v3/report endpoint - includeImage,includeRace and propertyZip
includeImage,includeRace in v3/report
includeImage,includeRace are optional boolean parameters while pulling a report. If consumer wants their image or race to be masked,then they would have to give "false" to these parameters,which will result in image and race param not being present in the background report. Please note that when these parameters not being provided explicitly by consumers,the default would be to include these parameters. Hence it is significant that consumers need to provide these parameters in order for them to mask their image and race parameters in the background report.
Consumer pulls a report with an optional includeImage and includeRace parameters
curl --location --request POST 'https://uat-us-api.experian.com/connectapi/v3/report' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--header 'Authorization: Bearer eyJraWQiOiJFSmpTMXJQQjdJODBHWjgybmNsSlZPQkF3V3B3ZTVYblNKZUdSZHdpcEY1IiwidHlwIjoiSldUIiwiYWxnIjoiUlMyNTYifQ.eyJzdWIiOiJjYXBpX2RlbW8zIiwiRW1haWwiOiJNQVdBU3VwcG9ydEBleHBlcmlhbi5jb20iLCJGaXJzdE5hbWUiOiJLb2tpbGEiLCJpc3MiOiJFWFBFUklBTiIsIkxhc3ROYW1lIjoiTmF0YXJhamFuIiwiZXhwIjoxNjE2NDc0ODgzLCJpYXQiOjE2MTY0NzMwODMsImp0aSI6ImQyNTIyNmYwLTUzNDEtNDg4OC04YzQ5LTliNTk0Yzc3Y2MyYiJ9.pol-Y9AG3oVKVqZxEmYXFie7bYWHUWHSLYiNPMoK5RO9IzybL9FsKPkdl8W6p3HRLVxLN9rWcu7kODzwHFo4ZJeuD2OpkhN_R2gXMqENMGSydPgOh7IDk6igixy4WS_-nbIjX4VtfcfyoGJN4G_sxTaUfJ826ogJDbPyjJkm7V9qPPxRsw_zmpbXWHji0meek_lx2rGuZ1vSbXz-MGVOJz9bj-ZCCu32xEUtJDF-mN0wjSgOVm5UJRFUdfusgmQSNTeJp3O8QEy1klDI35ivHFbiaC0Q8SLJBpvDKFriHAE783e4NzHY_CHKXR9rVlCIXNosQ6vchOhb9SSKupvXxw' \
--data-urlencode 'productId=34' \
--data-urlencode 'consumerToken=YzkzOGU5NDUtNzdlMy00NjQ0LTkwZDQtNTY0NmJiYjRhYWM1' \
--data-urlencode 'purposeType=1' \
--data-urlencode 'includeImage=True' \
--data-urlencode 'includeRace=False'
{"success":true,"error":null,"reports":{"CreditProfile":{"success":false,"error":{"Code":"9193","Message":"No record found","Status":422,"FieldErrors":null},"report":null},"BackgroundData":{"success":true,"error":null,"report":{"criminalReport":{"success":true,"response":{"XMLCRIM":{"OrderResponse":{"Name":"RACE,OMIT","Message":"Request Results","ResponseID":"127"},"CICcriminal":{"Candidates":{"count":"6","Candidate":[{"Subject":{"FullName":"OMIT RACE","DOB":"11/20/1991","Category":"CRIMINAL/TRAFFIC","Source":"AZ ADMINISTRATIVE OFFICE OF COURTS","Sex":"MALE","DriversLicense":"AZ C82188537","CaseNumber":"J-1003-CR-201388059","State":"AZ","Jurisdiction":"PIMA","Address":"7977 N CAMERON AVENUE, AJO, AZ, 85321"},"Offenses":{"count":"1","Offense":{"CaseType":"MISDEMEANOR","Description":"SHOPLIFTING","FilingDate":"07/30/2013","Disposition":"PLEA GUILTY/RESP SENT IMPOSED","DispositionDate":"08/14/2013","Court":"AJO JUSTICE"}}},{"Subject":{"FullName":"OMIT RACE","DOB":"11/20/1991","Category":"CRIMINAL/TRAFFIC","Source":"AZ ADMINISTRATIVE OFFICE OF COURTS","Sex":"MALE","DriversLicense":"AZ C82188537","CaseNumber":"J-1003-CR-201588770","State":"AZ","Jurisdiction":"PIMA","Address":"7977 N. CAMERON AVE, AJO, AZ, 85321"},"Offenses":{"count":"2","Offense":[{"CaseType":"MISDEMEANOR","Description":"DRUG PARAPHERNALIA-POSSESS/USE","FilingDate":"04/23/2015","Disposition":"GUILTY","DispositionDate":"05/20/2015","Court":"AJO JUSTICE"},{"CaseType":"MISDEMEANOR","Description":"DRUG PARAPHERNALIA-POSSESS/USE","FilingDate":"04/23/2015","Disposition":"PLEA GUILTY/RESP SENT IMPOSED","DispositionDate":"05/20/2015","Court":"AJO JUSTICE"}]}},{"Subject":{"FullName":"OMIT RACE","DOB":"11/20/1991","Category":"CRIMINAL/TRAFFIC","Source":"AZ ADMINISTRATIVE OFFICE OF COURTS","Sex":"MALE","DriversLicense":"AZ C82188537","CaseNumber":"J-1003-CR-201588071","State":"AZ","Jurisdiction":"PIMA","Address":"7977 N CAMERON AVENUE, AJO, AZ, 85321"},"Offenses":{"count":"1","Offense":{"CaseType":"MISDEMEANOR","Description":"DRUG PARAPHERNALIA-POSSESS/USE","FilingDate":"09/16/2015","Disposition":"PLEA GUILTY/RESP SENT IMPOSED","DispositionDate":"09/16/2015","Court":"AJO JUSTICE"}}},{"Subject":{"FullName":"OMIT RACE","Image":"https://www.crimimages.net/images/getPhoto.aspx?photo=1tlFkN1tbjX%2fZkfig1MgZ4Yj57Th2N1%2flPtax0Kugy4%3d","Category":"SEX OFFENDER","Source":"WI SEX OFFENDER REGISTRY","Sex":"MALE","HairColor":"BROWN","EyeColor":"BROWN","Weight":"123 LBS","Height":"5'4\"","Age":"25","CaseNumber":"2011CF888705","Address":"CALLE MIQUEL HILDALGO 29 PLAN DE LIMON, VERACRUZ, WI, 93538","Comments":"Registration End: Life registration; Compliance: NON-COMPLIANT; Photo Date: 07/31/2014;ETHNICITY: HISPANIC; ID NUMBERS: DOC #:88375211; OFFENDER REGISTER DATE: 04/24/2014","Alias":"JOE RACE, JOE ALFREDO RACE"},"Offenses":{"count":"1","Offense":{"Description":"FIRST DEGREE SEXUAL ASSAULT OF A CHILD","Statute":"948.02(1)","ConvictionDate":"04/24/2014","ConvictionLocation":"WI"}}},{"Subject":{"FullName":"OMIT RACE","Image":"https://www.crimimages.net/images/getPhoto.aspx?photo=1tlFkN1tbjX%2fZkfig1MgZ4Yj57Th2N1%2flPtax0Kugy4%3d","Category":"SEX OFFENDER","Source":"WI SEX OFFENDER REGISTRY","Sex":"MALE","HairColor":"BROWN","EyeColor":"BROWN","Weight":"123 LBS.","Height":"5' 4\"","Age":"23","CaseNumber":"2011CF888705","Comments":"Registration End: Life registration; Compliance: COMPLIANT; Photo Date: 07/31/2014;ETHNICITY: HISPANIC; ID NUMBERS: DOC #:88375211; OFFENDER REGISTER DATE: 04/24/2014","Alias":"JOE RACE, JOE ALFREDO RACE"},"Offenses":{"count":"1","Offense":{"Description":"FIRST-DEGREE SEXUAL ASSAULT OF A CHILD","Statute":"948.02(1)","ConvictionDate":"04/24/2014","ConvictionLocation":"WI"}}},{"Subject":{"FullName":"OMIT RACE","Category":"SEX OFFENDER","Source":"WA SEX OFFENDER REGISTRY","Sex":"MALE","HairColor":"BLACK","EyeColor":"BROWN","Weight":"245 LBS","Height":"6 FEET 00 INCHES","Age":"25","ScarsMarks":"SCAR ON LWRIST (BURN SCAR)","Address":"TRANSIENT, PIERCE CO, ","Comments":"ID NUMBERS: REGISTRATION NUMBER:247390; OFFENDER RISK LEVEL: TRANSIENT LEVEL I"},"Offenses":{"count":"1","Offense":{"Description":"9A.44.073 - RAPE OF A CHILD IN THE FIRST DEGREE","Statute":"9A.44.073","ConvictionDate":"12/09/2005"}}}]}}}}},"evictionReport":{"success":true,"response":{"XML2025":{"OrderResponse":{"Name":"Race,Omit","Reference":"","Message":"Request Processed Successfully","ResponseID":"10001"},"Response":{"Count":"0","Count_West-4":"0","Count_National-1":"0"}}}}}}},"transactionId":"1832119"}
propertyZip in v3/report
propertyZip is an optional parameter in v3/report endpoint.If consumer knows the zip of the property while pulling a report then they can provide this parameter with the valid propertyZip.
Consumer pulls a report with an optional propertyZip
curl --location --request POST 'https://uat-us-api.experian.com/connectapi/v3/report' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--header 'Authorization: Bearer eyJraWQiOiJFSmpTMXJQQjdJODBHWjgybmNsSlZPQkF3V3B3ZTVYblNKZUdSZHdpcEY1IiwidHlwIjoiSldUIiwiYWxnIjoiUlMyNTYifQ.eyJzdWIiOiJjYXBpX2RlbW9fcDRja2lxIiwiRW1haWwiOiJNQVdBU3VwcG9ydEBleHBlcmlhbi5jb20iLCJGaXJzdE5hbWUiOiJkZW1vIiwiaXNzIjoiRVhQRVJJQU4iLCJMYXN0TmFtZSI6ImNvbXBsaWFuY2VraXEiLCJleHAiOjE2MzEyMTMyMjIsImlhdCI6MTYzMTIxMTQyMiwianRpIjoiZjJjMDc3ZjAtYjNiNi00NDhkLWEyYmEtMTk1ZTkwMGVjMjVhIn0.k6WpmC0zST709E4vK5aCsPhN8CJFXTezgvRqy6pYpWwkSIGiRMqZxLdAgn5aP_lDN9IsTzeZzB57Deoi3HDnSG4sWR1SqVS53jBNiXdu6dWSI3QFTOKJxkF8oIIui8E-whrSfJAWSWXcOmDBsDs2TDxYXNFPHcNKfm9HRukUOCkEMqX17JTer4CsRPSBkrHH9ACelWSBQLnBLZXt6Ab2l2lgJpP_4WR7pgKjQKtg5dhgv6quJrSvoI4Fx_cGjMX1m1LluKw_iY_ZwAikX0UYvC3S_mv1e4EaUrdBnpHxqy4ec6jVVAxFla1gACKYSZEhEV1jmO3_O4dr2keLhFT6IQ' \
--data-urlencode 'productId=34' \
--data-urlencode 'consumerToken=NTlmYjMxMTUtYTdhNi00OTRiLWE5NmEtNmM1Yzk3YjZmNTgy' \
--data-urlencode 'purposeType=1' \
--data-urlencode 'propertyZip=92626'
{"success":true,"error":null,"reports":{"CreditProfile":{"success":true,"error":null,"report":{"Header":{"ReportDate":"09/09/2021","ReportTime":"01:34:53 PM CT"},"ConsumerIdentity":[{"Name":{"Type":{"desc":null,"code":null},"Surname":"HESSER","First":"GAIL","Middle":"C"}},{"Name":{"Type":{"desc":null,"code":null},"Surname":"HESSER","First":"GAYLE","Middle":"C"}},{"Name":{"Type":{"desc":"AKA","code":"A"},"Surname":"MARIAN","First":"GAIL","Middle":null}}],"AddressInformation":[{"FirstReportedDate":"10/16/2020","LastUpdatedDate":"10/16/2020","Origination":{"desc":"Update","code":"2"},"TimesReported":"0","LastReportingSubcode":"2310220","DwellingType":{"desc":"Single-family dwelling","code":"S"},"HomeOwnership":{"desc":"Single-family dwelling","code":null},"StreetPrefix":null,"StreetName":"2170 S C ROAD 43","StreetSuffix":null,"City":"REPUBLIC","State":"OH","Zip":"44867","CensusGeoCode":null,"CountyCode":null},{"FirstReportedDate":"11/18/2012","LastUpdatedDate":"09/10/2020","Origination":{"desc":"Update","code":"1"},"TimesReported":"0","LastReportingSubcode":null,"DwellingType":{"desc":"Single-family dwelling","code":"S"},"HomeOwnership":{"desc":"Single-family dwelling","code":null},"StreetPrefix":null,"StreetName":"2170 N COUNTY ROAD 43","StreetSuffix":null,"City":"REPUBLIC","State":"OH","Zip":"44867","CensusGeoCode":null,"CountyCode":null},{"FirstReportedDate":"08/18/2016","LastUpdatedDate":"08/18/2016","Origination":{"desc":"Update","code":"1"},"TimesReported":"0","LastReportingSubcode":null,"DwellingType":{"desc":"Single-family dwelling","code":"S"},"HomeOwnership":{"desc":"Single-family dwelling","code":null},"StreetPrefix":null,"StreetName":"1654 N C R 43","StreetSuffix":null,"City":"REPUBLIC","State":"OH","Zip":"44867","CensusGeoCode":null,"CountyCode":null}],"EmploymentInformation":[{"FirstReportedDate":"05/2016","LastUpdatedDate":null,"Origination":{"desc":"Inquiry","code":"2"},"Name":"MERYLAP","AddressFirstLine":null,"AddressSecondLine":null,"AddressExtraLine":null,"Zip":null}],"PublicRecord":null,"Inquiry":[{"Date":"04/11/2021","Amount":"UNK","Type":{"desc":"Unknown - Credit Extension, Review, Or Collection","code":"31"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1639860","KOB":{"desc":"Sales Financing Company","code":"FF"},"SubscriberDisplayName":"SYNCB/WALMART"},{"Date":"03/11/2021","Amount":"UNK","Type":{"desc":"Unknown - Credit Extension, Review, Or Collection","code":"31"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1344090","KOB":{"desc":"Specialty Clothing Store","code":"CS"},"SubscriberDisplayName":"SPECIALTY CLOTHING STO"},{"Date":"01/11/2021","Amount":"UNK","Type":{"desc":"Unknown - Credit Extension, Review, Or Collection","code":"31"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1639860","KOB":{"desc":"Sales Financing Company","code":"FF"},"SubscriberDisplayName":"SYNCB/WALMART"},{"Date":"12/11/2020","Amount":"UNK","Type":{"desc":"Unknown - Credit Extension, Review, Or Collection","code":"31"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1344090","KOB":{"desc":"Specialty Clothing Store","code":"CS"},"SubscriberDisplayName":"SPECIALTY CLOTHING STO"},{"Date":"11/21/2020","Amount":"UNK","Type":{"desc":"Collection Department/Agency/Attorney","code":"48"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1984046","KOB":{"desc":"Other Collection Agencies","code":"YC"},"SubscriberDisplayName":"OTHER COLLECTION AGENC"},{"Date":"09/01/2020","Amount":"UNK","Type":{"desc":"Conventional Real Estate Loan, Including Purchase Money First","code":"26"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1973319","KOB":{"desc":"Mortgage Reporters","code":"FR"},"SubscriberDisplayName":"CSC CREDIT SERVICES"},{"Date":"09/01/2020","Amount":"UNK","Type":{"desc":"Real Estate Specific Type Unknown","code":"08"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"3900614","KOB":{"desc":"Mortgage Reporters","code":"FR"},"SubscriberDisplayName":"FACTUAL DATA/0600"},{"Date":"08/28/2020","Amount":"UNK","Type":{"desc":"Real Estate Specific Type Unknown","code":"08"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"3900614","KOB":{"desc":"Mortgage Reporters","code":"FR"},"SubscriberDisplayName":"FACTUAL DATA/0600"},{"Date":"08/24/2020","Amount":"UNK","Type":{"desc":"Real Estate Specific Type Unknown","code":"08"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"6905630","KOB":{"desc":null,"code":null},"SubscriberDisplayName":"SERVICE & PROF"},{"Date":"08/21/2020","Amount":"UNK","Type":{"desc":"Collection Department/Agency/Attorney","code":"48"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1984046","KOB":{"desc":"Other Collection Agencies","code":"YC"},"SubscriberDisplayName":"OTHER COLLECTION AGENC"},{"Date":"06/08/2020","Amount":"UNK","Type":{"desc":"Unknown - Credit Extension, Review, Or Collection","code":"31"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1344090","KOB":{"desc":"Specialty Clothing Store","code":"CS"},"SubscriberDisplayName":"SPECIALTY CLOTHING STO"},{"Date":"06/01/2020","Amount":"UNK","Type":{"desc":"Conventional Real Estate Loan, Including Purchase Money First","code":"26"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1973319","KOB":{"desc":"Mortgage Reporters","code":"FR"},"SubscriberDisplayName":"CSC CREDIT SERVICES"},{"Date":"06/01/2020","Amount":"UNK","Type":{"desc":"Real Estate Specific Type Unknown","code":"08"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"3900614","KOB":{"desc":"Mortgage Reporters","code":"FR"},"SubscriberDisplayName":"FACTUAL DATA/0600"},{"Date":"05/28/2020","Amount":"UNK","Type":{"desc":"Real Estate Specific Type Unknown","code":"08"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"3900614","KOB":{"desc":"Mortgage Reporters","code":"FR"},"SubscriberDisplayName":"FACTUAL DATA/0600"},{"Date":"05/24/2020","Amount":"UNK","Type":{"desc":"Real Estate Specific Type Unknown","code":"08"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"6905630","KOB":{"desc":null,"code":null},"SubscriberDisplayName":"SERVICE & PROF"},{"Date":"03/08/2020","Amount":"UNK","Type":{"desc":"Unknown - Credit Extension, Review, Or Collection","code":"31"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1344090","KOB":{"desc":"Specialty Clothing Store","code":"CS"},"SubscriberDisplayName":"SPECIALTY CLOTHING STO"}],"TradeLine":[{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"No additional review is required","code":"P"},"OpenDate":"10/25/2020","StatusDate":"07/01/2021","MaxDelinquencyDate":null,"AccountType":{"desc":"Fha Real Estate Loan","code":"19"},"TermsDuration":{"desc":"30 Year","code":"360"},"ECOA":{"desc":"Joint Account","code":"2"},"Amount":[{"Qualifier":{"desc":"Original","code":"O"},"Value":"$76,388"}],"BalanceDate":"07/01/2021","BalanceAmount":"$75,885","Status":{"desc":"Current","code":"11"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Open","code":"O"},"RevolvingOrInstallment":{"desc":"Installment","code":"I"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"6","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"0","PaymentProfile":"CCCCCC","MonthlyPaymentAmount":"$654","MonthlyPaymentType":"Scheduled Term","LastPaymentDate":"06/08/2021","Subcode":"2993370","KOB":{"desc":"Mortgage Companies","code":"FM"},"SubscriberDisplayName":"US BANK","EnhancedPaymentData":{"InitialPaymentLevelDate":"07/01/2021","AccountCondition":{"desc":"Open","code":"A1"},"PaymentStatus":{"desc":"Current","code":"11"},"AccountType":{"desc":"Fha Real Estate Loan","code":"19"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":null,"SecondDelinquencyDate":null},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"Closer review is required","code":"N"},"OpenDate":"06/08/2018","StatusDate":"11/01/2020","MaxDelinquencyDate":"08/01/2018","AccountType":{"desc":"Collection Department/Agency/Attorney","code":"48"},"TermsDuration":{"desc":"1 Month","code":"001"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Original","code":"O"},"Value":"$285"}],"BalanceDate":"11/21/2020","BalanceAmount":null,"Status":{"desc":"Paid/was collection account, insurance or government claim or terminated for default","code":"62"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Closed","code":"C"},"RevolvingOrInstallment":{"desc":"Installment","code":"I"},"ConsumerComment":"Original creditor: COX COMMUNICATIONS-2NDS","AccountNumber":"","MonthsHistory":"29","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"3","PaymentProfile":"B-----------------------9","MonthlyPaymentAmount":null,"MonthlyPaymentType":"Estimated","LastPaymentDate":"10/28/2020","Subcode":"1984304","KOB":{"desc":"Other Collection Agencies","code":"YC"},"SubscriberDisplayName":"MID CONTINENT CREDIT S","EnhancedPaymentData":{"InitialPaymentLevelDate":"11/01/2020","AccountCondition":{"desc":"Paid/zero balance","code":"A2"},"PaymentStatus":{"desc":"Seriously past due","code":"93"},"AccountType":{"desc":"Collection Department/Agency/Attorney","code":"48"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":{"desc":"Collections","code":"9"},"FirstDelinquencyDate":"11/01/2018","SecondDelinquencyDate":"08/01/2018"},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"No additional review is required","code":"P"},"OpenDate":"01/20/2018","StatusDate":"11/01/2020","MaxDelinquencyDate":null,"AccountType":{"desc":null,"code":"43"},"TermsDuration":{"desc":"10 Month","code":"010"},"ECOA":{"desc":"Joint Account","code":"4"},"Amount":[{"Qualifier":{"desc":"High balance","code":"H"},"Value":"$3,000"}],"BalanceDate":"11/20/2020","BalanceAmount":"$0","Status":{"desc":"Current","code":"11"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Open","code":"O"},"RevolvingOrInstallment":{"desc":"Installment","code":"I"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"35","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"0","PaymentProfile":"000000000000000-000000000","MonthlyPaymentAmount":null,"MonthlyPaymentType":"Estimated","LastPaymentDate":"11/19/2020","Subcode":"9201856","KOB":{"desc":"Bank Credit Cards","code":"BC"},"SubscriberDisplayName":"COREFIRST BANK & TRUST","EnhancedPaymentData":{"InitialPaymentLevelDate":"11/01/2020","AccountCondition":{"desc":"Open","code":"A1"},"PaymentStatus":{"desc":"Current","code":"11"},"AccountType":{"desc":null,"code":"43"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":null,"SecondDelinquencyDate":null},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"Closer review is required","code":"N"},"OpenDate":"10/24/2020","StatusDate":"10/01/2020","MaxDelinquencyDate":null,"AccountType":{"desc":"Collection Department/Agency/Attorney","code":"48"},"TermsDuration":{"desc":"1 Month","code":"001"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Original","code":"O"},"Value":"$255"}],"BalanceDate":"07/08/2021","BalanceAmount":"$287","Status":{"desc":"Seriously past due","code":"93"},"AmountPastDue":"$287","OpenOrClosed":{"desc":"Closed","code":"C"},"RevolvingOrInstallment":{"desc":"Installment","code":"I"},"ConsumerComment":"Original creditor: MCI COMMUNICATIONS","AccountNumber":"","MonthsHistory":"6","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"6","PaymentProfile":"999999","MonthlyPaymentAmount":null,"MonthlyPaymentType":null,"LastPaymentDate":null,"Subcode":"1982482","KOB":{"desc":"Other Collection Agencies","code":"YC"},"SubscriberDisplayName":"OTHER COLLECTION AGENC","EnhancedPaymentData":{"InitialPaymentLevelDate":"10/01/2020","AccountCondition":{"desc":null,"code":null},"PaymentStatus":{"desc":"Seriously past due","code":"93"},"AccountType":{"desc":"Collection Department/Agency/Attorney","code":"48"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":"07/01/2021","SecondDelinquencyDate":"06/01/2021"},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"No additional review is required","code":"P"},"OpenDate":"03/01/2021","StatusDate":"07/01/2021","MaxDelinquencyDate":null,"AccountType":{"desc":"Revolving Charge Account","code":"07"},"TermsDuration":{"desc":"Revolving","code":"REV"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"High balance","code":"H"},"Value":"$154"}],"BalanceDate":"07/21/2021","BalanceAmount":"$156","Status":{"desc":"Current","code":"11"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Open","code":"O"},"RevolvingOrInstallment":{"desc":"Revolving","code":"R"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"5","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"0","PaymentProfile":"CCCC0","MonthlyPaymentAmount":"$20","MonthlyPaymentType":"Scheduled Term","LastPaymentDate":"07/06/2021","Subcode":"1323470","KOB":{"desc":"Retail, Not Elsewhere Classified","code":"ZR"},"SubscriberDisplayName":"THE JONES STORE","EnhancedPaymentData":{"InitialPaymentLevelDate":"07/01/2021","AccountCondition":{"desc":"Open","code":"A1"},"PaymentStatus":{"desc":"Current","code":"11"},"AccountType":{"desc":"Revolving Charge Account","code":"07"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":null,"SecondDelinquencyDate":null},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"No additional review is required","code":"P"},"OpenDate":"03/27/2018","StatusDate":"07/01/2021","MaxDelinquencyDate":null,"AccountType":{"desc":"Credit Card","code":"18"},"TermsDuration":{"desc":"Revolving","code":"REV"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Limit","code":"L"},"Value":"$2,000"},{"Qualifier":{"desc":"High 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Card","code":"18"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":null,"SecondDelinquencyDate":null},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"No additional review is required","code":"P"},"OpenDate":"04/19/2021","StatusDate":"04/01/2021","MaxDelinquencyDate":null,"AccountType":{"desc":"Revolving Charge Account","code":"07"},"TermsDuration":{"desc":"Revolving","code":"REV"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Limit","code":"L"},"Value":"$250"}],"BalanceDate":"04/22/2021","BalanceAmount":"$0","Status":{"desc":"Current","code":"11"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Open","code":"O"},"RevolvingOrInstallment":{"desc":"Revolving","code":"R"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"1","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"0","PaymentProfile":"0","MonthlyPaymentAmount":null,"MonthlyPaymentType":null,"LastPaymentDate":null,"Subcode":"1349490","KOB":{"desc":"Clothing -- Non-Specific","code":"CZ"},"SubscriberDisplayName":"COMENITYBANK/NEWPORTNW","EnhancedPaymentData":{"InitialPaymentLevelDate":"04/01/2021","AccountCondition":{"desc":"Open","code":"A1"},"PaymentStatus":{"desc":"Current","code":"11"},"AccountType":{"desc":"Revolving Charge Account","code":"07"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":null,"SecondDelinquencyDate":null}],"RiskModel":[{"positiveScoreFactorCodeOne":"P34","positiveScoreFactorCodeTwo":"P36","positiveScoreFactorCodeThree":"P05","positiveScoreFactorCodeFour":"P32","ModelIndicator":{"desc":"Vantage Score 3.0","code":"V3"},"Score":"593","ScoreFactorCodeOne":"12","ScoreFactorCodeTwo":"04","ScoreFactorCodeThree":"83","ScoreFactorCodeFour":"16","ScoreFactorCodeFive":"84","Evaluation":{"desc":null,"code":null}}],"ConsumerAssistanceReferralAddress":{"OfficeName":"EXPERIAN","StreetName":"701 EXPERIAN PARKWAY","POBox":"PO BOX 2002","CityStateZip":"ALLEN, TX 75013","Phone":"(888) 397-3742"},"ProfileSummary":{"DisputedAccountsExcluded":0,"DelinquenciesOver30Days":0,"DelinquenciesOver60Days":0,"DelinquenciesOver90Days":0,"DerogCounter":0,"PublicRecordsCount":0,"TotalInquiries":0,"MonthlyPaymentPartialFlagDesc":null,"InquiriesDuringLast6Months":0,"NowDelinquentDerog":0,"RealEstatePaymentPartialFlagDesc":null,"TotalTradeItems":0,"WasDelinquentDerog":0,"RevolvingAvailablePartialFlagDesc":null,"PaidAccounts":0,"hasProfileSummary":false,"InstallmentBalance":null,"MonthlyPayment":null,"PastDueAmount":null,"RealEstateBalance":null,"RealEstatePayment":null,"RevolvingBalance":null,"RevolvingAvailablePercent":null,"OldestTradeOpenDate":null,"Y2KOldestTradeline":null,"SatisfactoryAccount":0},"Statement":null,"InformationalMessage":[{"MessageNumber":"84","MessageText":"0084 SSN MATCHES"}]}},"BackgroundData":{"success":true,"error":null,"report":{"criminalReport":{"success":true,"response":{"XMLCRIM":{"OrderResponse":{"Name":"HESSER,GAIL","Message":"Request Results","ResponseID":"91"},"CICcriminal":{"Candidates":{"count":"2","Candidate":[{"Subject":{"FullName":"GAIL HESSER","DOB":"11/20/1991","Category":"CRIMINAL","Source":"AZ ADMINISTRATIVE OFFICE OF COURTS","Sex":"MALE","Race":"WHITE","DriversLicense":"AZ C82188537","CaseNumber":"J-1003-CR-201388059","State":"AZ","Jurisdiction":"PIMA","Address":"7977 N CAMERON AVENUE, AJO, AZ, 85321"},"Offenses":{"count":"1","Offense":{"CaseType":"MISDEMEANOR","Description":"SHOPLIFTING","FilingDate":"07/30/2013","Disposition":"PLEA GUILTY/RESP SENT IMPOSED","DispositionDate":"08/14/2013","Court":"AJO JUSTICE"}}},{"Subject":{"FullName":"GAIL HESSER","DOB":"11/20/1991","Category":"CRIMINAL","Source":"AZ ADMINISTRATIVE OFFICE OF COURTS","Sex":"MALE","Race":"WHITE","DriversLicense":"AZ C82188537","CaseNumber":"J-1003-CR-201588770","State":"AZ","Jurisdiction":"PIMA","Address":"7977 N. CAMERON AVE, AJO, AZ, 85321"},"Offenses":{"count":"2","Offense":[{"CaseType":"MISDEMEANOR","Description":"DRUG PARAPHERNALIA-POSSESS/USE","FilingDate":"04/23/2015","Disposition":"GUILTY","DispositionDate":"05/20/2015","Court":"AJO JUSTICE"},{"CaseType":"MISDEMEANOR","Description":"DRUG PARAPHERNALIA-POSSESS/USE","FilingDate":"04/23/2015","Disposition":"PLEA GUILTY/RESP SENT IMPOSED","DispositionDate":"05/20/2015","Court":"AJO JUSTICE"}]}}]}}}}},"evictionReport":{"success":true,"response":{"XML2025":{"OrderResponse":{"Name":"HESSER,GAIL","Reference":"TESTCASE","Message":"Request Processed Successfully","ResponseID":"92"},"Response":{"Count":"3","Count_West-4":"1","Count_National-1":"2","Candidate":[{"Zone":"West-4","LastName":"HESSER","FirstName":"GAIL","Address":"8629 ALBEMARLE","City":"MELBOURNE","State":"FL","ZipCode":"32901","Activity":{"Court":"499","Filing_Date":"12-17-2014","Case_No":"CC029871","Plaintiff":"LEVINE*RICHARD","Plaintiff_Phone":"888-555-7410","Notice_Type":"1ZZ","Default":"0","Plaintiff_Atty":"LAW OFFICE OF ABC","Plaintiff_Atty_Phone":"888-555-8520"}},{"Zone":"National-1","LastName":"HESSER","FirstName":"GAIL","Address":"272 LANDINGS WAY#73","City":"MERRITT ISLAND","State":"FL","ZipCode":"32952","Activity":{"Court":"BREVARD COUNTY CIRCUIT COURT","Filing_Date":"05-13-2013","Case_No":"052013CC083625","Plaintiff":"SCHNEIDER JEROME","Notice_Type":"CIVIL NEW FILING","Judgement_Amount":"0"}},{"Zone":"National-1","LastName":"HESSER","FirstName":"GAIL","Address":"272 LANDINGS WY#7","City":"MERRITT ISLAND","State":"FL","ZipCode":"32952","Activity":{"Court":"BREVARD COUNTY CIRCUIT COURT","Case_No":"052013CC083625","Plaintiff":"JERMONE SCHNEIDER","Notice_Type":"FORCIBLE ENTRY/DETAINER","Judgement_Date":"06-11-2013","Judgement_Amount":"0"}}]}}}}}}},"transactionId":"7365814"}
Mandatory parameter in v3/share endpoint - propertyZip
propertyZip in v3/share
In share endpoint,the propertyzip is mandatory parameter when sharing the background report with the landlord.The regulatory matrix would be applied with the given propertyZip and the respective fields would be returned for background report.
Consumer shares a report with mandatory propertyZip parameter
curl --location --request POST 'https://uat-us-api.experian.com/connectapi/v3/share' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--header 'Authorization: Bearer eyJraWQiOiJFSmpTMXJQQjdJODBHWjgybmNsSlZPQkF3V3B3ZTVYblNKZUdSZHdpcEY1IiwidHlwIjoiSldUIiwiYWxnIjoiUlMyNTYifQ.eyJzdWIiOiJjYXBpX2RlbW8zIiwiRW1haWwiOiJNQVdBU3VwcG9ydEBleHBlcmlhbi5jb20iLCJGaXJzdE5hbWUiOiJLb2tpbGEiLCJpc3MiOiJFWFBFUklBTiIsIkxhc3ROYW1lIjoiTmF0YXJhamFuIiwiZXhwIjoxNjMxMjE1MTE2LCJpYXQiOjE2MzEyMTMzMTYsImp0aSI6IjM5MWZmZjc0LTM3MTEtNGFmYi1hYTU2LTM3YWQzYjMxYmFjOCJ9.Bn9GJKu4nGM-lVnPc_YPQ9uwokElrrKmTeFNt8MYhnutS3MJtYdmLey9kSvPGaJhB__fsRlnKzVfUZLE-lUtVYjHsiBGYm00PTWio9LuSYE_aezuDxGk91a3rJZS11vsfZDfYLrxOqk0q1wY8CZ_EV9ds4cQuClCbK5uUS4JWLDd97YlWpWrPobpBrAHWz2sTMYR-88Q6e4yYIvXtjdAXjHeSc0b8WX2acbSeDBHL28Cu4Dh3pYAMFKIhPTkImB8mqnvbJJ5Qk4HRfv-AY765wBQ8P4Kj2a3zme93bHWowy-a2lsq12gQZimUQJS-f6tJkSHW09e6xxNE0kDGLS0mA' \
--data-urlencode 'transactionId=7365814' \
--data-urlencode 'consumerToken=NTlmYjMxMTUtYTdhNi00OTRiLWE5NmEtNmM1Yzk3YjZmNTgy' \
--data-urlencode 'endUserToken=NDhhNWI5NGItOTRkYi00N2U0LWE5OTQtYzBhZGJlYzI0Mjdk' \
--data-urlencode 'purposeType=1'\
--data-urlencode 'propertyZip=92626'
{"success":true,"error":null,"reports":{"CreditProfile":{"success":true,"error":null,"report":{"Header":{"ReportDate":"09/09/2021","ReportTime":"01:52:59 PM CT"},"ConsumerIdentity":[{"Name":{"Type":{"desc":null,"code":null},"Surname":"HESSER","First":"GAIL","Middle":"C"}},{"Name":{"Type":{"desc":null,"code":null},"Surname":"HESSER","First":"GAYLE","Middle":"C"}},{"Name":{"Type":{"desc":"AKA","code":"A"},"Surname":"MARIAN","First":"GAIL","Middle":null}}],"AddressInformation":[{"FirstReportedDate":"10/16/2020","LastUpdatedDate":"10/16/2020","Origination":{"desc":"Update","code":"2"},"TimesReported":"0","LastReportingSubcode":"2310220","DwellingType":{"desc":"Single-family dwelling","code":"S"},"HomeOwnership":{"desc":"Single-family dwelling","code":null},"StreetPrefix":null,"StreetName":"2170 S C ROAD 43","StreetSuffix":null,"City":"REPUBLIC","State":"OH","Zip":"44867","CensusGeoCode":null,"CountyCode":null},{"FirstReportedDate":"11/18/2012","LastUpdatedDate":"09/10/2020","Origination":{"desc":"Update","code":"1"},"TimesReported":"0","LastReportingSubcode":null,"DwellingType":{"desc":"Single-family dwelling","code":"S"},"HomeOwnership":{"desc":"Single-family dwelling","code":null},"StreetPrefix":null,"StreetName":"2170 N COUNTY ROAD 43","StreetSuffix":null,"City":"REPUBLIC","State":"OH","Zip":"44867","CensusGeoCode":null,"CountyCode":null},{"FirstReportedDate":"08/18/2016","LastUpdatedDate":"08/18/2016","Origination":{"desc":"Update","code":"1"},"TimesReported":"0","LastReportingSubcode":null,"DwellingType":{"desc":"Single-family dwelling","code":"S"},"HomeOwnership":{"desc":"Single-family dwelling","code":null},"StreetPrefix":null,"StreetName":"1654 N C R 43","StreetSuffix":null,"City":"REPUBLIC","State":"OH","Zip":"44867","CensusGeoCode":null,"CountyCode":null}],"EmploymentInformation":[{"FirstReportedDate":"05/2016","LastUpdatedDate":null,"Origination":{"desc":"Inquiry","code":"2"},"Name":"MERYLAP","AddressFirstLine":null,"AddressSecondLine":null,"AddressExtraLine":null,"Zip":null}],"PublicRecord":null,"Inquiry":[{"Date":"04/11/2021","Amount":"UNK","Type":{"desc":"Unknown - Credit Extension, Review, Or Collection","code":"31"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1639860","KOB":{"desc":"Sales Financing Company","code":"FF"},"SubscriberDisplayName":"SYNCB/WALMART"},{"Date":"03/11/2021","Amount":"UNK","Type":{"desc":"Unknown - Credit Extension, Review, Or Collection","code":"31"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1344090","KOB":{"desc":"Specialty Clothing Store","code":"CS"},"SubscriberDisplayName":"SPECIALTY CLOTHING STO"},{"Date":"01/11/2021","Amount":"UNK","Type":{"desc":"Unknown - Credit Extension, Review, Or Collection","code":"31"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1639860","KOB":{"desc":"Sales Financing Company","code":"FF"},"SubscriberDisplayName":"SYNCB/WALMART"},{"Date":"12/11/2020","Amount":"UNK","Type":{"desc":"Unknown - Credit Extension, Review, Or Collection","code":"31"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1344090","KOB":{"desc":"Specialty Clothing Store","code":"CS"},"SubscriberDisplayName":"SPECIALTY CLOTHING STO"},{"Date":"11/21/2020","Amount":"UNK","Type":{"desc":"Collection Department/Agency/Attorney","code":"48"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1984046","KOB":{"desc":"Other Collection Agencies","code":"YC"},"SubscriberDisplayName":"OTHER COLLECTION AGENC"},{"Date":"09/01/2020","Amount":"UNK","Type":{"desc":"Conventional Real Estate Loan, Including Purchase Money First","code":"26"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1973319","KOB":{"desc":"Mortgage Reporters","code":"FR"},"SubscriberDisplayName":"CSC CREDIT SERVICES"},{"Date":"09/01/2020","Amount":"UNK","Type":{"desc":"Real Estate Specific Type Unknown","code":"08"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"3900614","KOB":{"desc":"Mortgage Reporters","code":"FR"},"SubscriberDisplayName":"FACTUAL DATA/0600"},{"Date":"08/28/2020","Amount":"UNK","Type":{"desc":"Real Estate Specific Type Unknown","code":"08"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"3900614","KOB":{"desc":"Mortgage Reporters","code":"FR"},"SubscriberDisplayName":"FACTUAL DATA/0600"},{"Date":"08/24/2020","Amount":"UNK","Type":{"desc":"Real Estate Specific Type Unknown","code":"08"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"6905630","KOB":{"desc":null,"code":null},"SubscriberDisplayName":"SERVICE & PROF"},{"Date":"08/21/2020","Amount":"UNK","Type":{"desc":"Collection Department/Agency/Attorney","code":"48"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1984046","KOB":{"desc":"Other Collection Agencies","code":"YC"},"SubscriberDisplayName":"OTHER COLLECTION AGENC"},{"Date":"06/08/2020","Amount":"UNK","Type":{"desc":"Unknown - Credit Extension, Review, Or Collection","code":"31"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1344090","KOB":{"desc":"Specialty Clothing Store","code":"CS"},"SubscriberDisplayName":"SPECIALTY CLOTHING STO"},{"Date":"06/01/2020","Amount":"UNK","Type":{"desc":"Conventional Real Estate Loan, Including Purchase Money First","code":"26"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1973319","KOB":{"desc":"Mortgage Reporters","code":"FR"},"SubscriberDisplayName":"CSC CREDIT SERVICES"},{"Date":"06/01/2020","Amount":"UNK","Type":{"desc":"Real Estate Specific Type Unknown","code":"08"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"3900614","KOB":{"desc":"Mortgage Reporters","code":"FR"},"SubscriberDisplayName":"FACTUAL DATA/0600"},{"Date":"05/28/2020","Amount":"UNK","Type":{"desc":"Real Estate Specific Type Unknown","code":"08"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"3900614","KOB":{"desc":"Mortgage Reporters","code":"FR"},"SubscriberDisplayName":"FACTUAL DATA/0600"},{"Date":"05/24/2020","Amount":"UNK","Type":{"desc":"Real Estate Specific Type Unknown","code":"08"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"6905630","KOB":{"desc":null,"code":null},"SubscriberDisplayName":"SERVICE & PROF"},{"Date":"03/08/2020","Amount":"UNK","Type":{"desc":"Unknown - Credit Extension, Review, Or Collection","code":"31"},"Terms":{"desc":null,"code":"N/A"},"Subcode":"1344090","KOB":{"desc":"Specialty Clothing Store","code":"CS"},"SubscriberDisplayName":"SPECIALTY CLOTHING STO"}],"TradeLine":[{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"No additional review is required","code":"P"},"OpenDate":"10/25/2020","StatusDate":"07/01/2021","MaxDelinquencyDate":null,"AccountType":{"desc":"Fha Real Estate Loan","code":"19"},"TermsDuration":{"desc":"30 Year","code":"360"},"ECOA":{"desc":"Joint Account","code":"2"},"Amount":[{"Qualifier":{"desc":"Original","code":"O"},"Value":"$76,388"}],"BalanceDate":"07/01/2021","BalanceAmount":"$75,885","Status":{"desc":"Current","code":"11"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Open","code":"O"},"RevolvingOrInstallment":{"desc":"Installment","code":"I"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"6","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"0","PaymentProfile":"CCCCCC","MonthlyPaymentAmount":"$654","MonthlyPaymentType":"Scheduled Term","LastPaymentDate":"06/08/2021","Subcode":"2993370","KOB":{"desc":"Mortgage Companies","code":"FM"},"SubscriberDisplayName":"US BANK","EnhancedPaymentData":{"InitialPaymentLevelDate":"07/01/2021","AccountCondition":{"desc":"Open","code":"A1"},"PaymentStatus":{"desc":"Current","code":"11"},"AccountType":{"desc":"Fha Real Estate Loan","code":"19"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":null,"SecondDelinquencyDate":null},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"Closer review is required","code":"N"},"OpenDate":"06/08/2018","StatusDate":"11/01/2020","MaxDelinquencyDate":"08/01/2018","AccountType":{"desc":"Collection Department/Agency/Attorney","code":"48"},"TermsDuration":{"desc":"1 Month","code":"001"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Original","code":"O"},"Value":"$285"}],"BalanceDate":"11/21/2020","BalanceAmount":null,"Status":{"desc":"Paid/was collection account, insurance or government claim or terminated for default","code":"62"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Closed","code":"C"},"RevolvingOrInstallment":{"desc":"Installment","code":"I"},"ConsumerComment":"Original creditor: COX COMMUNICATIONS-2NDS","AccountNumber":"","MonthsHistory":"29","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"3","PaymentProfile":"B-----------------------9","MonthlyPaymentAmount":null,"MonthlyPaymentType":"Estimated","LastPaymentDate":"10/28/2020","Subcode":"1984304","KOB":{"desc":"Other Collection Agencies","code":"YC"},"SubscriberDisplayName":"MID CONTINENT CREDIT S","EnhancedPaymentData":{"InitialPaymentLevelDate":"11/01/2020","AccountCondition":{"desc":"Paid/zero balance","code":"A2"},"PaymentStatus":{"desc":"Seriously past due","code":"93"},"AccountType":{"desc":"Collection Department/Agency/Attorney","code":"48"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":{"desc":"Collections","code":"9"},"FirstDelinquencyDate":"11/01/2018","SecondDelinquencyDate":"08/01/2018"},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"No additional review is required","code":"P"},"OpenDate":"01/20/2018","StatusDate":"11/01/2020","MaxDelinquencyDate":null,"AccountType":{"desc":null,"code":"43"},"TermsDuration":{"desc":"10 Month","code":"010"},"ECOA":{"desc":"Joint Account","code":"4"},"Amount":[{"Qualifier":{"desc":"High balance","code":"H"},"Value":"$3,000"}],"BalanceDate":"11/20/2020","BalanceAmount":"$0","Status":{"desc":"Current","code":"11"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Open","code":"O"},"RevolvingOrInstallment":{"desc":"Installment","code":"I"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"35","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"0","PaymentProfile":"000000000000000-000000000","MonthlyPaymentAmount":null,"MonthlyPaymentType":"Estimated","LastPaymentDate":"11/19/2020","Subcode":"9201856","KOB":{"desc":"Bank Credit Cards","code":"BC"},"SubscriberDisplayName":"COREFIRST BANK & TRUST","EnhancedPaymentData":{"InitialPaymentLevelDate":"11/01/2020","AccountCondition":{"desc":"Open","code":"A1"},"PaymentStatus":{"desc":"Current","code":"11"},"AccountType":{"desc":null,"code":"43"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":null,"SecondDelinquencyDate":null},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"Closer review is required","code":"N"},"OpenDate":"10/24/2020","StatusDate":"10/01/2020","MaxDelinquencyDate":null,"AccountType":{"desc":"Collection Department/Agency/Attorney","code":"48"},"TermsDuration":{"desc":"1 Month","code":"001"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Original","code":"O"},"Value":"$255"}],"BalanceDate":"07/08/2021","BalanceAmount":"$287","Status":{"desc":"Seriously past due","code":"93"},"AmountPastDue":"$287","OpenOrClosed":{"desc":"Closed","code":"C"},"RevolvingOrInstallment":{"desc":"Installment","code":"I"},"ConsumerComment":"Original creditor: MCI COMMUNICATIONS","AccountNumber":"","MonthsHistory":"6","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"6","PaymentProfile":"999999","MonthlyPaymentAmount":null,"MonthlyPaymentType":null,"LastPaymentDate":null,"Subcode":"1982482","KOB":{"desc":"Other Collection Agencies","code":"YC"},"SubscriberDisplayName":"OTHER COLLECTION AGENC","EnhancedPaymentData":{"InitialPaymentLevelDate":"10/01/2020","AccountCondition":{"desc":null,"code":null},"PaymentStatus":{"desc":"Seriously past due","code":"93"},"AccountType":{"desc":"Collection Department/Agency/Attorney","code":"48"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":"07/01/2021","SecondDelinquencyDate":"06/01/2021"},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"No additional review is required","code":"P"},"OpenDate":"03/01/2021","StatusDate":"07/01/2021","MaxDelinquencyDate":null,"AccountType":{"desc":"Revolving Charge Account","code":"07"},"TermsDuration":{"desc":"Revolving","code":"REV"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"High balance","code":"H"},"Value":"$154"}],"BalanceDate":"07/21/2021","BalanceAmount":"$156","Status":{"desc":"Current","code":"11"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Open","code":"O"},"RevolvingOrInstallment":{"desc":"Revolving","code":"R"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"5","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"0","PaymentProfile":"CCCC0","MonthlyPaymentAmount":"$20","MonthlyPaymentType":"Scheduled Term","LastPaymentDate":"07/06/2021","Subcode":"1323470","KOB":{"desc":"Retail, Not Elsewhere Classified","code":"ZR"},"SubscriberDisplayName":"THE JONES STORE","EnhancedPaymentData":{"InitialPaymentLevelDate":"07/01/2021","AccountCondition":{"desc":"Open","code":"A1"},"PaymentStatus":{"desc":"Current","code":"11"},"AccountType":{"desc":"Revolving Charge Account","code":"07"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":null,"SecondDelinquencyDate":null},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"No additional review is required","code":"P"},"OpenDate":"03/27/2018","StatusDate":"07/01/2021","MaxDelinquencyDate":null,"AccountType":{"desc":"Credit Card","code":"18"},"TermsDuration":{"desc":"Revolving","code":"REV"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Limit","code":"L"},"Value":"$2,000"},{"Qualifier":{"desc":"High balance","code":"H"},"Value":"$2,058"}],"BalanceDate":"07/06/2021","BalanceAmount":"$1,930","Status":{"desc":"Current","code":"11"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Open","code":"O"},"RevolvingOrInstallment":{"desc":"Revolving","code":"R"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"40","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"0","PaymentProfile":"CCCCCCCCCCCCCCCCCCCCCCCCC","MonthlyPaymentAmount":"$58","MonthlyPaymentType":"Scheduled Term","LastPaymentDate":"06/23/2021","Subcode":"2133350","KOB":{"desc":"All Banks -- Non-Specific","code":"BB"},"SubscriberDisplayName":"COMMERCE BK","EnhancedPaymentData":{"InitialPaymentLevelDate":"07/01/2021","AccountCondition":{"desc":"Open","code":"A1"},"PaymentStatus":{"desc":"Current","code":"11"},"AccountType":{"desc":"Credit Card","code":"18"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":null,"SecondDelinquencyDate":null},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"No additional review is required","code":"P"},"OpenDate":"04/11/2021","StatusDate":"07/01/2021","MaxDelinquencyDate":null,"AccountType":{"desc":"Revolving Charge Account","code":"07"},"TermsDuration":{"desc":"Revolving","code":"REV"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Limit","code":"L"},"Value":"$75"},{"Qualifier":{"desc":"High balance","code":"H"},"Value":"$74"}],"BalanceDate":"07/02/2021","BalanceAmount":"$0","Status":{"desc":"Current","code":"11"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Open","code":"O"},"RevolvingOrInstallment":{"desc":"Revolving","code":"R"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"3","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"0","PaymentProfile":"0CC","MonthlyPaymentAmount":null,"MonthlyPaymentType":"Estimated","LastPaymentDate":"07/02/2021","Subcode":"1327500","KOB":{"desc":"Variety Stores","code":"DV"},"SubscriberDisplayName":"SYNCB/WALMART","EnhancedPaymentData":{"InitialPaymentLevelDate":"07/01/2021","AccountCondition":{"desc":"Open","code":"A1"},"PaymentStatus":{"desc":"Current","code":"11"},"AccountType":{"desc":"Revolving Charge Account","code":"07"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":null,"SecondDelinquencyDate":null},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"No additional review is required","code":"P"},"OpenDate":"06/28/2018","StatusDate":"06/01/2021","MaxDelinquencyDate":null,"AccountType":{"desc":"Credit Card","code":"18"},"TermsDuration":{"desc":"Revolving","code":"REV"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Limit","code":"L"},"Value":"$800"},{"Qualifier":{"desc":"High balance","code":"H"},"Value":"$936"}],"BalanceDate":"06/28/2021","BalanceAmount":"$773","Status":{"desc":"Current","code":"11"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Open","code":"O"},"RevolvingOrInstallment":{"desc":"Revolving","code":"R"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"36","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"0","PaymentProfile":"CCCCCCCCCCCCCCCCCCCCCCCCC","MonthlyPaymentAmount":"$30","MonthlyPaymentType":"Scheduled Term","LastPaymentDate":"06/15/2021","Subcode":"3240877","KOB":{"desc":"Bank Credit Cards","code":"BC"},"SubscriberDisplayName":"CAPITAL ONE","EnhancedPaymentData":{"InitialPaymentLevelDate":"06/01/2021","AccountCondition":{"desc":"Open","code":"A1"},"PaymentStatus":{"desc":"Current","code":"11"},"AccountType":{"desc":"Credit Card","code":"18"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":null,"SecondDelinquencyDate":null},{"SpecialComment":{"desc":null,"code":null},"Evaluation":{"desc":"No additional review is required","code":"P"},"OpenDate":"04/19/2021","StatusDate":"04/01/2021","MaxDelinquencyDate":null,"AccountType":{"desc":"Revolving Charge Account","code":"07"},"TermsDuration":{"desc":"Revolving","code":"REV"},"ECOA":{"desc":"Individual","code":"1"},"Amount":[{"Qualifier":{"desc":"Limit","code":"L"},"Value":"$250"}],"BalanceDate":"04/22/2021","BalanceAmount":"$0","Status":{"desc":"Current","code":"11"},"AmountPastDue":null,"OpenOrClosed":{"desc":"Open","code":"O"},"RevolvingOrInstallment":{"desc":"Revolving","code":"R"},"ConsumerComment":null,"AccountNumber":"","MonthsHistory":"1","DelinquenciesOver30Days":"0","DelinquenciesOver60Days":"0","DelinquenciesOver90Days":"0","DerogCounter":"0","PaymentProfile":"0","MonthlyPaymentAmount":null,"MonthlyPaymentType":null,"LastPaymentDate":null,"Subcode":"1349490","KOB":{"desc":"Clothing -- Non-Specific","code":"CZ"},"SubscriberDisplayName":"COMENITYBANK/NEWPORTNW","EnhancedPaymentData":{"InitialPaymentLevelDate":"04/01/2021","AccountCondition":{"desc":"Open","code":"A1"},"PaymentStatus":{"desc":"Current","code":"11"},"AccountType":{"desc":"Revolving Charge Account","code":"07"},"SpecialComment":{"desc":null,"code":null}},"MaxPayment":null,"FirstDelinquencyDate":null,"SecondDelinquencyDate":null}],"RiskModel":[{"positiveScoreFactorCodeOne":"P34","positiveScoreFactorCodeTwo":"P36","positiveScoreFactorCodeThree":"P05","positiveScoreFactorCodeFour":"P32","ModelIndicator":{"desc":"Vantage Score 3.0","code":"V3"},"Score":"593","ScoreFactorCodeOne":"12","ScoreFactorCodeTwo":"04","ScoreFactorCodeThree":"83","ScoreFactorCodeFour":"16","ScoreFactorCodeFive":"84","Evaluation":{"desc":null,"code":null}}],"ConsumerAssistanceReferralAddress":{"OfficeName":"EXPERIAN","StreetName":"701 EXPERIAN PARKWAY","POBox":"PO BOX 2002","CityStateZip":"ALLEN, TX 75013","Phone":"(888) 397-3742"},"ProfileSummary":{"DisputedAccountsExcluded":0,"DelinquenciesOver30Days":0,"DelinquenciesOver60Days":0,"DelinquenciesOver90Days":0,"DerogCounter":0,"PublicRecordsCount":0,"TotalInquiries":0,"MonthlyPaymentPartialFlagDesc":null,"InquiriesDuringLast6Months":0,"NowDelinquentDerog":0,"RealEstatePaymentPartialFlagDesc":null,"TotalTradeItems":0,"WasDelinquentDerog":0,"RevolvingAvailablePartialFlagDesc":null,"PaidAccounts":0,"hasProfileSummary":false,"InstallmentBalance":null,"MonthlyPayment":null,"PastDueAmount":null,"RealEstateBalance":null,"RealEstatePayment":null,"RevolvingBalance":null,"RevolvingAvailablePercent":null,"OldestTradeOpenDate":null,"Y2KOldestTradeline":null,"SatisfactoryAccount":0},"Statement":null,"InformationalMessage":[{"MessageNumber":"84","MessageText":"0084 SSN MATCHES"}]}},"BackgroundData":{"success":true,"error":null,"report":{"criminalReport":{"success":true,"response":{"XMLCRIM":{"OrderResponse":{"Name":"HESSER,GAIL","Message":"Request Results","ResponseID":"91"},"CICcriminal":{"Candidates":{"count":"2","Candidate":[{"Subject":{"FullName":"GAIL HESSER","DOB":"11/20/1991","Category":"CRIMINAL","Source":"AZ ADMINISTRATIVE OFFICE OF COURTS","Sex":"MALE","Race":"WHITE","DriversLicense":"AZ C82188537","CaseNumber":"J-1003-CR-201388059","State":"AZ","Jurisdiction":"PIMA","Address":"7977 N CAMERON AVENUE, AJO, AZ, 85321"},"Offenses":{"count":"1","Offense":{"CaseType":"MISDEMEANOR","Description":"SHOPLIFTING","FilingDate":"07/30/2013","Disposition":"PLEA GUILTY/RESP SENT IMPOSED","DispositionDate":"08/14/2013","Court":"AJO JUSTICE"}}},{"Subject":{"FullName":"GAIL HESSER","DOB":"11/20/1991","Category":"CRIMINAL","Source":"AZ ADMINISTRATIVE OFFICE OF COURTS","Sex":"MALE","Race":"WHITE","DriversLicense":"AZ C82188537","CaseNumber":"J-1003-CR-201588770","State":"AZ","Jurisdiction":"PIMA","Address":"7977 N. CAMERON AVE, AJO, AZ, 85321"},"Offenses":{"count":"2","Offense":[{"CaseType":"MISDEMEANOR","Description":"DRUG PARAPHERNALIA-POSSESS/USE","FilingDate":"04/23/2015","Disposition":"GUILTY","DispositionDate":"05/20/2015","Court":"AJO JUSTICE"},{"CaseType":"MISDEMEANOR","Description":"DRUG PARAPHERNALIA-POSSESS/USE","FilingDate":"04/23/2015","Disposition":"PLEA GUILTY/RESP SENT IMPOSED","DispositionDate":"05/20/2015","Court":"AJO JUSTICE"}]}}]}}}}},"evictionReport":{"success":true,"response":{"XML2025":{"OrderResponse":{"Name":"HESSER,GAIL","Reference":"TESTCASE","Message":"Request Processed Successfully","ResponseID":"92"},"Response":{"Count":"3","Count_West-4":"1","Count_National-1":"2","Candidate":[{"Zone":"West-4","LastName":"HESSER","FirstName":"GAIL","Address":"8629 ALBEMARLE","City":"MELBOURNE","State":"FL","ZipCode":"32901","Activity":{"Court":"499","Filing_Date":"12-17-2014","Case_No":"CC029871","Plaintiff":"LEVINE*RICHARD","Plaintiff_Phone":"888-555-7410","Notice_Type":"1ZZ","Default":"0","Plaintiff_Atty":"LAW OFFICE OF ABC","Plaintiff_Atty_Phone":"888-555-8520"}},{"Zone":"National-1","LastName":"HESSER","FirstName":"GAIL","Address":"272 LANDINGS WAY#73","City":"MERRITT ISLAND","State":"FL","ZipCode":"32952","Activity":{"Court":"BREVARD COUNTY CIRCUIT COURT","Filing_Date":"05-13-2013","Case_No":"052013CC083625","Plaintiff":"SCHNEIDER JEROME","Notice_Type":"CIVIL NEW FILING","Judgement_Amount":"0"}},{"Zone":"National-1","LastName":"HESSER","FirstName":"GAIL","Address":"272 LANDINGS WY#7","City":"MERRITT ISLAND","State":"FL","ZipCode":"32952","Activity":{"Court":"BREVARD COUNTY CIRCUIT COURT","Case_No":"052013CC083625","Plaintiff":"JERMONE SCHNEIDER","Notice_Type":"FORCIBLE ENTRY/DETAINER","Judgement_Date":"06-11-2013","Judgement_Amount":"0"}}]}}}}}}},"shareId":1161815}
Consumer shares a report with out mandatory propertyZip param
curl --location --request POST 'https://uat-us-api.experian.com/connectapi/v3/share' \
--header 'Content-Type: application/x-www-form-urlencoded' \
--header 'Authorization: Bearer eyJraWQiOiJFSmpTMXJQQjdJODBHWjgybmNsSlZPQkF3V3B3ZTVYblNKZUdSZHdpcEY1IiwidHlwIjoiSldUIiwiYWxnIjoiUlMyNTYifQ.eyJzdWIiOiJjYXBpX2RlbW8zIiwiRW1haWwiOiJNQVdBU3VwcG9ydEBleHBlcmlhbi5jb20iLCJGaXJzdE5hbWUiOiJLb2tpbGEiLCJpc3MiOiJFWFBFUklBTiIsIkxhc3ROYW1lIjoiTmF0YXJhamFuIiwiZXhwIjoxNjMxMjE1MTE2LCJpYXQiOjE2MzEyMTMzMTYsImp0aSI6IjM5MWZmZjc0LTM3MTEtNGFmYi1hYTU2LTM3YWQzYjMxYmFjOCJ9.Bn9GJKu4nGM-lVnPc_YPQ9uwokElrrKmTeFNt8MYhnutS3MJtYdmLey9kSvPGaJhB__fsRlnKzVfUZLE-lUtVYjHsiBGYm00PTWio9LuSYE_aezuDxGk91a3rJZS11vsfZDfYLrxOqk0q1wY8CZ_EV9ds4cQuClCbK5uUS4JWLDd97YlWpWrPobpBrAHWz2sTMYR-88Q6e4yYIvXtjdAXjHeSc0b8WX2acbSeDBHL28Cu4Dh3pYAMFKIhPTkImB8mqnvbJJ5Qk4HRfv-AY765wBQ8P4Kj2a3zme93bHWowy-a2lsq12gQZimUQJS-f6tJkSHW09e6xxNE0kDGLS0mA' \
--data-urlencode 'transactionId=7365814' \
--data-urlencode 'consumerToken=NTlmYjMxMTUtYTdhNi00OTRiLWE5NmEtNmM1Yzk3YjZmNTgy' \
--data-urlencode 'endUserToken=NDhhNWI5NGItOTRkYi00N2U0LWE5OTQtYzBhZGJlYzI0Mjdk' \
--data-urlencode 'purposeType=1'
{"success":false,"error":{"Code":"9018","Message":"propertyZip is required when requesting BackgroundData","Status":422,"FieldErrors":null},"reports":{}}
Test Consumers
The following test consumers will work with Background Data:
| Last name |
Middle Name |
First name |
Expected output |
Consumer Token |
|---|---|---|---|---|
| Hesser | Gail |
|
M2U5MmQ1ZTEtY2EzNi00Y2VlLTgzMGEtMjg0MWY5NWIyNjJm | |
| Allen | L | Ralph |
|
ZmM1MmVmZmEtOGI1Yy00MWRiLTk1NTYtM2I4ODFiNDc5NTJl |
| Akkaya | Jorge |
|
OTUzYjUwZmItMzcwMS00MmYyLWJmZmQtN2MwYjc2M2I4MzAw | |
| Young | E | Charles |
|
MTQwYWRmZTItNTRkNi00NzI3LTk2OGItOGMzY2NkZTZiODQ1 |
| Barbone | Concetta |
|
NWUyMDZkOGMtODIxYi00YmE5LTkxOWQtODVmNDllN2IzZmQ5 | |
| Lanier | S | Bradley |
|
NTFmNWQ0ZmMtN2I4OC00ODI4LWI0OGEtNjJjNjk1NTQ3ZTVh |
| Free | Lyndsay |
|
NzQ4ZWYzYzAtMTIzMi00ZjYxLWJkYjAtZjYyMGJiZDViOWY2 | |
| Bay | Johnnie |
|
NjNjYjQ0MDQtNjA0Yy00YzQ0LTg4ZTMtNTVlYTIyNjJhNzMx | |
| Eggleston | Mary |
|
MTZiMjhhYTAtZTcwNS00Yjg4LWIxYTQtNzc5NjQyOWZhYWU1 | |
| Russell | Izell |
|
YzRmYjMwNTUtNDNmNy00Yjk4LTg3ZTktY2VkZTc3YWI5ZGI4 | |
| Barnes | Patti |
|
Mzg2Yjg1NTUtMWNlNS00ZWVkLTkyODAtZjI4ZDZhYjBmMTc4 | |
| White | R | Kenneth |
|
OWY5NDY5ZTQtZjM2Yi00YWIzLTgzZGMtOTNiYmMxYjM4MDA4 |
| Christie | L | Shirley |
|
MmUyOWU3ZTQtNTI2Yy00YTkxLThmNGEtYTQwZTk2M2ViMDg1 |
| Nicholson | K | Raymond |
|
YzIzYTMxOTctNjliMC00MDVjLThlZDEtNmEwZjIwMmQ2NDQ0 |
| Taylor | M | Henrietta |
|
M2RiNmQ1ZGYtYzFhMS00ZjNkLTliZWEtNmMzMTUyMjU4MzNl |
| Craven | W | Christopher |
|
NGQ1NDYyOTQtMjNhMi00ODhlLWE3YWItZGYyMTFhNWU2ZDJh |
| Williams | E | Douglas |
|
NjM1N2M5ODctNDNkZC00NzQ0LTliYmMtNDE5OGU1N2I3YzJi |
| Whalen | Anabel |
|
Mjc5NWFiZWUtNjUzMS00NGQzLWFkMmQtMDcxMzM4Y2ZjYmVi | |
| Roberts | Danny |
|
YmQxNTMwZTgtODc1OC00ZjMzLTg4MDctNjJmMmUxMzJkOWM2 | |
| Spraggins | L | Jenny |
|
YzdmYmY4NDYtOWMxZS00MTQzLWI3NGMtMjA1MWE2ZjE1OTcx |
| Mathewson | Gayle | Kathryn |
|
MGI5M2JmNzAtM2QxNC00OTg3LWFiODYtNTljOTRjNDY5OWVi |
| Boyda | Ann | Melanie |
|
ZGJlNTI5OGMtMTUyYy00NjlmLTgxZDQtYjZjOTY3NjhlZDQz |
| Pogue | L | David |
|
YmJmODE3YzQtMDk0YS00MmZlLTk5NjctMDg2MzU0YzhkYTg4 |
| Markgren | Alba |
|
ZjRjZWIyODktOTYwNi00YTUzLTliMzItNTAwZGY3NjBhYzkz | |
| Boyd | Chester |
|
N2RiZjM3YjUtZWE0OC00M2Y1LWJhMDQtYjc3MGZjOWM2N2Rl | |
| Sieler | N | Christine |
|
Njk2MmFkNjgtMzk1MC00YjcyLTk3YjktODc4ZDZiZmMyMGMz |
| Morrison | T | Greggory |
|
ZDI2NDIxOTQtMmE4Ny00NTdhLThkOWQtYjcwZGM3M2Y4MDBj |
| Risi | Christopher |
|
Yzc4ZjZjYmUtZGEwMi00M2YxLTk1YTMtMzc0NDE4NWIwMTJk | |
| Barsness | Arturo |
|
N2JkZjUxYmQtNmJkNi00YzA3LTllYmYtMTgyNDBiMjc0NDYw | |
| Haddock | A | David |
|
ODYxMDgyNjMtMjQ0Ny00ZmU4LWE0NjMtOGQwM2JhMjM0YWEw |
| Broyles | Debbie |
|
NWQwMmZmMGYtODA5Yy00Nzc2LWIzNmQtOGYzZWZjZWUyMTY1 | |
| Johnson | Paul |
|
YWUwNWI5OGYtMzhjYy00NjVkLWFlMGEtMjk5ZDJmY2VhNTJj | |
| Gibbs | T | Mary |
|
NWExZWYxZGQtMGEzYS00YWIyLTkxNTItYjhkZGQyMTI1Y2Nh |
| Scott | Arthur |
|
ODhmMWUxNTQtMjE4OC00Yzc5LWExNDktYTY2NmUxYjMzNjRj | |
| Smith | Bob |
|
NGI3NmRmOWEtNzcxZi00ODk5LWEzZWUtZjMzZTQ5NGY1M2I5 |
Errors
These errors are specific to Background Data. The Position column indicates at which level in the JSON response you will find the errors.
| HTTP Status Code |
Error Code |
Position |
Description |
|---|---|---|---|
| 500 | 9999 | Background Data level | Background report is not available |
| 500 | 9994 | Criminal report level | Criminal search is unavailable. |
| 500 | 9990 | Housing court report level |
Housing court search is unavailable. |
| 422 | 9018 |
Top Level |
When the propertyZip field is not provided by consumer, while sharing the report, using v3/Share. |
| 422 | 9995 |
Error block inside criminalReport | 'Invalid SSN' error returned by Criminal Report |
| 422 | 9996 | Error block inside criminalReport | 'Invalid Date of Birth' error returned by Criminal Report |
| 500 | 9997 | Error block inside criminalReport | System Error returned by Criminal Report |
| 400 | 1004 | Background Data level | Invalid Request. DOB and SSN are required fields for background data but not for retrieving a credit report. This message is sent when SSN or DOB are missing from the consumer token resulting in a response with a credit report but no criminal or housing court report. |