CreditAPI is an API that allows users to access consumer credit data, retrieving it from Experian, Equifax and Transunion. The API can merge credit data that is obtained from the three credit repositories in order to produce a unified view of a borrower’s credit record. Users can also process their credit data and the API will generate specific actions that the borrower can take to improve their credit score. The API uses HTTP calls and responses are formatted in XML, TEXT, PDF, HTML and more.