Credit Report Experian AI Agent / LLM

Business
POST /api/v1/credit-report-experian/fetch-report Bearer

Everything an AI coding assistant needs to write a working Credit Report Experian integration without opening another page: endpoint, authentication, parameters, a real request, both response shapes and the platform rules it cannot infer from a single example. Copy the brief below and paste it into Claude, Cursor, GitHub Copilot, ChatGPT or any other agent.

Machine-readable spec — Markdown

# Credit Report Experian API — Way2API®

- **Endpoint:** `POST https://app.way2api.com/api/v1/credit-report-experian/fetch-report`
- **Auth:** `Authorization: Bearer YOUR_API_KEY` (or `X-API-Key: YOUR_API_KEY`)
- **Content-Type:** `application/json`
- **Category:** Business
- **Availability:** Available in India
- **Docs:** https://app.way2api.com/documentation/credit-report-experian

## What it does

Credit Report Experian API — pull a full Experian consumer credit report for an individual from their PAN and mobile number, with the individual explicit consent. Returns the bureau score, the applicant record as the bureau holds it, an account summary (total, active, closed and defaulted accounts, plus secured versus unsecured outstanding), every trade line with its limit, balance, overdue amount and month-by-month repayment history, and the full enquiry (CAPS) history. Dates are returned as ISO YYYY-MM-DD, amounts as numbers, and every classification field — account type, account status, ownership, asset classification, enquiry purpose — as a stable published value such as credit_card or overdue_90 rather than a raw bureau code, so both the shape and the values of this response are guaranteed not to move. Built for lending decisions, underwriting, portfolio monitoring and risk assessment.

## Request body (application/json)

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `name` | string | yes | Full name of the individual as it appears on their PAN. 2 to 100 characters. |
| `mobile` | string | yes | 10-digit Indian mobile number of the individual, starting 6-9. |
| `pan` | string | yes | 10-character PAN of the individual, e.g. ABCDE1234F. Case-insensitive. |
| `consent` | string | yes | Must be "Y". A credit bureau enquiry is only lawful with the individual explicit consent, and you must have obtained and retained it. |

## Example request

```bash
curl -X POST https://app.way2api.com/api/v1/credit-report-experian/fetch-report \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"name":"Ananya Sharma","mobile":"9876543210","pan":"ABCDE1234F","consent":"Y"}'
```

## Success response — 200

```json
{
    "status": "SUCCESS",
    "status_code": 200,
    "charged": true,
    "success": true,
    "message": "",
    "message_code": "OK",
    "order_id": "W2A1739512345abcdef01",
    "data": {
        "order_id": "W2A1739512345abcdef01",
        "result": {
            "name": "ANANYA SHARMA",
            "mobile": "9876543210",
            "pan": "ABCDE1234F",
            "credit_score": 742,
            "report": {
                "number": "1786259702984",
                "date": "2026-08-09",
                "identity_match": "exact"
            },
            "applicant": {
                "first_name": "ANANYA",
                "middle_name": "",
                "last_name": "SHARMA",
                "gender": "female",
                "date_of_birth": "1990-04-17",
                "pan": "ABCDE1234F",
                "passport_number": "",
                "voter_id": "",
                "driving_licence": "",
                "mobile": "9876543210",
                "email": "[email protected]",
                "address": {
                    "line_1": "FLAT 12 SECOND FLOOR",
                    "line_2": "GREEN VALLEY APARTMENTS",
                    "line_3": "SECTOR 21 MAIN ROAD",
                    "city": "NEW DELHI",
                    "state_code": "07",
                    "pincode": "110001",
                    "country_code": "IB"
                }
            },
            "summary": {
                "total_accounts": 6,
                "active_accounts": 3,
                "closed_accounts": 3,
                "default_accounts": 0,
                "suit_filed_balance": 0,
                "outstanding": {
                    "secured": 435757,
                    "unsecured": 170579,
                    "total": 606336,
                    "secured_percent": 72,
                    "unsecured_percent": 28
                }
            },
            "enquiry_summary": {
                "credit": {
                    "last_7_days": 0,
                    "last_30_days": 1,
                    "last_90_days": 2,
                    "last_180_days": 3
                },
                "non_credit": {
                    "last_7_days": 0,
                    "last_30_days": 0,
                    "last_90_days": 0,
                    "last_180_days": 0
                },
                "total": {
                    "last_7_days": 0,
                    "last_30_days": 1,
                    "last_90_days": 2,
                    "last_180_days": 3
                }
            },
            "accounts": [
                {
                    "lender": "EXAMPLE BANK LTD",
                    "lender_code": "PVT3000001",
                    "account_number": "XXXXXXXXXXXXXXX0784",
                    "account_type": "credit_card",
                    "portfolio_type": "revolving",
                    "ownership": "individual",
                    "account_status": "active",
                    "suit_filed_status": "no_suit_filed",
                    "currency": "INR",
                    "opened_on": "2025-12-09",
                    "closed_on": "",
                    "reported_on": "2026-06-30",
                    "last_payment_on": "2026-06-07",
                    "first_delinquency_on": "",
                    "credit_limit": 135000,
                    "sanctioned_amount": 39624,
                    "current_balance": 21791,
                    "amount_overdue": 0,
                    "written_off_total": 0,
                    "written_off_principal": 0,
                    "settlement_amount": 0,
                    "interest_rate": 0,
                    "tenure_months": 0,
                    "payment_history": "000000??????????????????????????????",
                    "monthly_history": [
                        {
                            "year": 2026,
                            "month": 6,
                            "days_past_due": 0,
                            "asset_classification": ""
                        },
                        {
                            "year": 2026,
                            "month": 5,
                            "days_past_due": 0,
                            "asset_classification": ""
                        }
                    ],
                    "holders": [
                        {
                            "first_name": "ANANYA",
                            "middle_name": "",
                            "surname": "SHARMA",
                            "alias": "",
                            "gender": "female",
                            "date_of_birth": "1990-04-17",
                            "pan": "ABCDE1234F",
                            "passport_number": "",
                            "voter_id": ""
                        }
                    ],
                    "addresses": [
                        {
                            "line_1": "FLAT 12 SECOND FLOOR",
                            "line_2": "GREEN VALLEY APARTMENTS",
                            "line_3": "SECTOR 21 MAIN ROAD",
                            "city": "NEW DELHI",
                            "state_code": "07",
                            "pincode": "110001",
                            "country_code": "IB"
                        }
                    ],
                    "contacts": [
                        {
                            "landline": "",
                            "mobile": "9876543210",
                            "email": "[email protected]"
                        }
                    ]
                }
            ],
            "enquiries": [
                {
                    "enquired_on": "2026-05-14",
                    "member": "EXAMPLE FINANCE LIMITED",
                    "purpose": "personal_loan",
                    "amount": 100000,
                    "tenure_months": 12
                }
            ],
            "non_credit_enquiries": []
        }
    }
}
```

## Error response — 422

```json
{
    "status": "SUCCESS",
    "status_code": 422,
    "charged": true,
    "success": false,
    "message": "No credit records were found for the details provided.",
    "message_code": "VERIFICATION_FAILED",
    "order_id": "W2A1739512345abcdef01",
    "data": {
        "order_id": "W2A1739512345abcdef01",
        "error_code": "no_record"
    }
}
```

## Integration rules

- Every response is JSON carrying `status`, `status_code`, `charged`, `success`, `message`, `message_code` and (once a call reaches the provider) `order_id`. The verification payload is under `data.result`.
- `charged` (boolean) is the authority on billing. Do NOT infer it from the HTTP status: `422` is returned both for input we rejected (not charged) and for a lookup the provider ran and billed us for that returned a negative result (charged).
- `message_code` is a fixed vocabulary — branch on it instead of parsing `message`. Values: `OK`, `ACCEPTED`, `PROVIDER_NO_RESPONSE`, `VERIFICATION_FAILED`, `NO_RECORD_FOUND`, `INVALID_INPUT`, `REQUEST_FAILED`, `MISSING_API_KEY`, `INVALID_API_KEY`, `INSUFFICIENT_BALANCE`, `NO_API_ACCESS`, `NOT_FOUND`, `RATE_LIMITED`, `INTERNAL_ERROR`, `PROVIDER_UNAVAILABLE`.
- `success` reports the verification outcome; `status` reports the ORDER lifecycle (`SUCCESS`/`PENDING`/`FAILED`). They differ on a charged negative result: the order completed and was billed while the verification did not pass.
- A failed verification is still a successful HTTP call — the outcome lives in the response body, so do not treat `200` as "verified".
- Status codes: `200` result returned, `202` pending or provider did not respond (both charged — quote the `order_id`), `401` missing/invalid key, `402` insufficient balance, `403` no access to this service, `422` see `charged`, `429` rate limited (honour the `Retry-After` header), `503` temporarily unavailable.
- Rate limits are per API key, per service, on a 1-minute sliding window.
- Load the API key from an environment variable or secret store. Never hard-code it, never commit it, and never ship it in client-side code — calls must be made from your backend.

Prompts to pair it with

  • Write a production-ready Credit Report Experian integration in PHP using this spec, with error handling and retries.
  • Given this spec, generate typed request/response models and a client class.
  • Review my existing Credit Report Experian integration against this spec and list what I handle incorrectly.
⚠ Before you paste generated code

Never let an assistant hard-code your API key — load it from an environment variable or a secret store, and call this endpoint from your backend only. A failed verification is still a successful HTTP call, so check the success field in the body rather than treating 200 as verified.

Prefer to read it yourself?

Overview What this API does, availability, and a quick start. Request Endpoint, authentication headers, every request parameter with its type, and a sample request body. Response The full success response payload, field by field. Error Codes HTTP status codes, error payload shape, and how to handle failures. Code Examples Ready-to-run examples in cURL, PHP, JavaScript and Python. Rate Limits Per-minute and per-day request limits, and what happens on breach.