Cryptographic verification is now live. Govern, attest and mint every check.Go Now

Tri-Bureau Credit Checks

Lend with proof,
not assumptions.

Q: Do you pull all three credit bureaus?

Yes. deepidv pulls tri-bureau reports from Equifax, Experian, and TransUnion by default - no extra charges. Single-bureau checks miss accounts that other creditors report to, so we always give you the complete picture.

Q: What's the difference between soft and hard credit pulls?

Soft inquiries don't affect credit scores and aren't visible to other creditors - ideal for pre-qualification, employment screening, and account monitoring. Hard inquiries are recorded on the credit report and can slightly lower scores (5-10 points), but are required for lending decisions and lease approvals under FCRA permissible purpose rules.

Q: How fast are credit check results?

Most credit reports are delivered in under one minute. Our direct connections to Equifax, Experian, and TransUnion return real-time, up-to-date data without delays.

Q: Is this FCRA compliant?

Yes. deepidv credit checks are 100% FCRA compliant, including permissible purpose validation, required disclosures, adverse action handling, and consumer dispute workflows.

Q: Can I combine credit checks with background checks?

Yes. Credit checks can be run standalone or combined with deepidv background checks, employment verification, and identity verification for a complete due diligence workflow - covering payment behavior, criminal history, and identity confirmation in one flow.

Pull credit reports, FICO score thresholds, and bank-statement analysis through a single deepidv workflow. Every decision tied to a verified identity, every report audit-ready and FCRA-compliant.

Book a demo

DocumentationDeveloper docs

deepidv scores every applicant, reports the full bureau picture, and decides in under a minute — every report tied to a verified identity.

FICO score739

300Good850

See the real FICO score

Industry-standard FICO scores from each bureau on the 300-850 scale, with score variations surfaced so you catch discrepancies across Equifax, Experian, and TransUnion.

Bureaus pulled

EquifaxExperianTransUnion

Read the full bureau picture

Tri-bureau reports pulled by default - payment history, open and closed accounts, utilization, and public records compiled into one clear summary.

Decision<1m

ApproveRefer for reviewDecline

Decide with confidence

Affordability and debt-to-income checks resolve to a clear approve, refer, or decline - with soft-pull options that never touch the applicant's score.

By the Numbers

Comprehensive credit data, in under a minute

Real-time connections to all three major bureaus deliver a complete, compliant financial picture - no stale data, no extra charges.

3
Bureaus Pulled (Default): <1
Minute Report Time: 300-850
FICO Score Range: 100%
FCRA Compliant

Comprehensive Credit Data

The complete financial picture

Different creditors report to different bureaus. deepidv pulls all three by default and compiles FICO scores, payment history, utilization, and public records into one report - so nothing critical slips through.

What you get

Tri-Bureau Reports

Equifax, Experian, TransUnion

FICO Credit Scores

300-850 scale, per bureau

Payment History

30/60/90+ day late records

Account Details

Cards, loans, mortgages, balances

Credit Utilization

Available credit in use

Public Records

Bankruptcies, liens, collections

deepidv · credit score

Risk Assessment

Red flags beyond the score

A score alone hides financial stress. deepidv analyzes payment patterns, utilization trends, and account age to surface the risk indicators that predict future behavior - even when the headline number looks acceptable.

What we surface

High Utilization

Above 30% signals stress

Recent Late Payments

30/60/90+ days, last 12 mo

Multiple Inquiries

Possible desperation or fraud

Public Records Issues

Bankruptcies, liens, judgments

Account Age

Thin or recent history

Debt-to-Income

Obligations relative to income

deepidv · credit insights

Decisioning & Compliance

Soft pulls, clear decisions

Check credit without affecting scores for pre-qualification and employment screening, or run a hard pull for lending. Every report resolves to a plain-language decision and stays FCRA-compliant - permissible purpose, disclosures, and dispute handling built in.

How you decide

Soft Pull Options

No score impact or visibility

FCRA Compliant

Permissible purpose & disclosures

Affordability Read-out

Debt-to-income & capacity

Identity-Tied Reports

Combine with full screening

Read the docs

Trusted & Certified

Built to meet the world's most demanding security and privacy standards.

SOC 2 Type II

Audited security controls for data protection

GDPR Compliant

Full compliance with EU data privacy regulations

ISO 27001

International standard for information security

DIACC Member

Digital ID & Authentication Council of Canada

Integration

Take full control.
Getting started takes minutes.

Plug deepidv into your stack three ways — a REST API, native SDKs, or an MCP server your AI agents can call directly. Clean docs, a sandbox, and one source of truth take you from API key to live verification the same day.

REST API

Call any verification service directly — create a session or run a standalone check and get structured JSON back in under 500ms.

→ screening 200+ watchlists…
✓ status: clear
  risk_score: 4 · 143ms

Drop-in SDK

Pre-built UI components and server libraries for iOS, Android, Web, Node, Python, and Go — zero to live verification in a single sprint.

  checks: ['id','liveness','face'],
✓ v.url → send to your user

MCP for agents

An open protocol that lets any AI agent call deepidv's verification engine directly — no custom integration code. Connect it in one command.

Claude

Launch deepidv for my AI agent — set it up from the docs.

✓ 12 verification tools available

Ready to run ID, liveness & AML checks.

Changelog

The Latest

See all releases

May 18, 2026Release

Verify 2.0 is here

Multi-language verification, a redesigned ID & face-capture flow, end-to-end whitelabel, and a native Background Check step.

May 9, 2026Features

ProofCall, smoother capture & translated reports

AI background-confirmation calls, faster camera start-up, translated PDF/HTML reports, and location-by-IP enrichment.

April 10, 2026AI

AI-powered adverse media screening

Continuous, AI-driven adverse-media checks built natively into your verification workflows.

See all releases

Frequently asked questions

Yes. deepidv pulls tri-bureau reports from Equifax, Experian, and TransUnion by default - no extra charges. Single-bureau checks miss accounts that other creditors report to, so we always give you the complete picture.

Soft inquiries don't affect credit scores and aren't visible to other creditors - ideal for pre-qualification, employment screening, and account monitoring. Hard inquiries are recorded on the credit report and can slightly lower scores (5-10 points), but are required for lending decisions and lease approvals under FCRA permissible purpose rules.

Most credit reports are delivered in under one minute. Our direct connections to Equifax, Experian, and TransUnion return real-time, up-to-date data without delays.

Yes. deepidv credit checks are 100% FCRA compliant, including permissible purpose validation, required disclosures, adverse action handling, and consumer dispute workflows.

Yes. Credit checks can be run standalone or combined with deepidv background checks, employment verification, and identity verification for a complete due diligence workflow - covering payment behavior, criminal history, and identity confirmation in one flow.

Still have questions?

Our team is ready to help you get started.

Contact Sales

All-In-One Products

Explore the Full Suite

Age Estimation

Background Checks

Credit Checks

Deepfake Detection

Education Confirmation

Lend with proof, not assumptions.

See deepidv credit checks on your own workflow - it takes 60 seconds to start.

Get Started View API Docs

Lend with proof,
not assumptions.