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Experian® 图标

Experian 数据 API

Experian · 信贷

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Experian® 是 Experian 面向美国消费者的信用应用，提供 FICO Score 8、三局信用报告、Experian Boost、CreditLock、身份告警、卡贷市场，以及在特拉华持牌的 Experian Bank 支票与储蓄账户。Android 首页展示 Experian / Equifax / TransUnion 分数卡、Boost 信用记录提升、锁定开关、暗网与查询告警、经 Plaid 接入的 Money Hub 账户、现金垫款（Brigit）报价和 Gabi 保险询价。它与 Intuit Credit Karma、Credit Sesame、myFICO、NerdWallet、WalletHub 争夺同一批想看征信局自家 FICO 8、冻结信用档案、又不想另开付费监控订阅的美国用户。登录走 Experian Secure Login（用户名密码、一次性验证码或通行密钥），设备上可开生物识别解锁。

三局 FICO Score 8 读数落在 score，并带 scoreVersion 与 scoreIngredients 因子评级（paymentHistoryRatingName、amountOfDebtRatingName）；冻结开关则并排给出 lockStatusCode 与 freezeStatusCode。Boost 同意行保留 version 与 acceptDate；加分档案在公用事业和电信账户上标记 hasOnlyBoostTradelines。

Money Hub 账户把 accountBalanceV2 与 institutionName 记在 accountTypeGroup 下，现金流月份把 income 从 expenses 和 netIncome 拆开，Experian Bank 支票行则带 availableBalance、routingNumber 与 acctNumberLastFour。RightOffer 卡片补充 cardName、introAPR 与 isMatchedForYou；身份角标统计 unreadTotal。放贷台、信用修复店和理财助手把这些字段接到核贷、冻结运维和现金垫款——openData Studio 把它们变成可调用的开放数据。

应用截图

  • Experian® 应用截图 1
  • Experian® 应用截图 2
  • Experian® 应用截图 3
  • Experian® 应用截图 4
  • Experian® 应用截图 5
  • Experian® 应用截图 6
  • Experian® 应用截图 7
  • Experian® 应用截图 8

API 端点一览

以下端点与请求/响应示例均依据应用界面推导重构，为示意说明，并非实际抓包。

  • 签发 Experian 访问令牌

    POST /v1/sessions/token osint

    用 Secure Login 凭证换取后续调用使用的 Token.accessToken（以及 tokenType、expiresIn、idleExp）。

    认证方式： 无需令牌的 OAuth 风格请求体。Token.accessToken 作为后续调用的 Authorization: Bearer；Token 还带 tokenType、expiresIn 与 idleExp。

    • accessToken
    • tokenType
    • expiresIn
    • idleExp
    • secureLoginToken
    • loginFlow
    • isSuccessful
    • eligibleForOTP
    • last4PhoneDigits
    • signinstatus
    • grant_type
    • username
    POST /v1/sessions/token HTTP/1.1
Content-Type: application/json

{
  "username": "[email protected]",
  "password": "********",
  "grant_type": "password"
}
    {
  "accessToken": "eyJhbGciOiJSUzI1NiJ9.<payload>.<signature>",
  "tokenType": "Bearer",
  "expiresIn": 1800,
  "idleExp": 900,
  "secureLoginToken": {
    "accessToken": "eyJhbGciOiJSUzI1NiJ9.<payload>.<signature>",
    "tokenType": "Bearer",
    "expiresIn": 1800,
    "idleExp": 900
  },
  "loginFlow": "STANDARD",
  "isSuccessful": true,
  "eligibleForOTP": true,
  "last4PhoneDigits": "1212",
  "signinstatus": "AUTHENTICATED"
}

  • 最新三局 FICO 分数

    GET /v1/credit/scores/current openfinance

    加载信用中心分数卡：按征信局返回 experian / equifax / transunion 的 FICO 读数列表（score、scoreVersion、scoreRating、scoreIngredients）。

    认证方式： Authorization: Bearer，令牌由会话令牌调用签发。

    • experian
    • equifax
    • transunion
    • id
    • bureau
    • brand
    • scoreVersion
    • scoreType
    • score
    • scoreText
    • unscorable
    • scoreDate
    • createDate
    • scoreRating
    • scoreDistributionPercentile
    • sourceId
    • scoreIngredients
    • paymentHistoryRatingName
    • amountOfDebtRatingName
    • creditHistoryLengthRatingName
    • amountOfNewCreditRatingName
    • creditMixRatingName
    GET /v1/credit/scores/current HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json
    {
  "experian": [
    {
      "id": "scr-ex-4412",
      "bureau": "EXPERIAN",
      "brand": "FICO",
      "scoreVersion": "FICO Score 8",
      "scoreType": "FICO8",
      "score": "742",
      "scoreText": "Good",
      "unscorable": false,
      "scoreDate": "2026-10-12",
      "createDate": "2026-10-12T14:03:11Z",
      "scoreRating": "Good",
      "scoreDistributionPercentile": "68",
      "sourceId": "EXPERIAN",
      "scoreIngredients": {
        "paymentHistoryRatingName": "Excellent",
        "amountOfDebtRatingName": "Good",
        "creditHistoryLengthRatingName": "Good",
        "amountOfNewCreditRatingName": "Fair",
        "creditMixRatingName": "Good"
      }
    }
  ],
  "equifax": [
    {
      "id": "scr-eq-4412",
      "bureau": "EQUIFAX",
      "score": "738",
      "scoreRating": "Good",
      "unscorable": false
    }
  ],
  "transunion": [
    {
      "id": "scr-tu-4412",
      "bureau": "TRANSUNION",
      "score": "745",
      "scoreRating": "Good",
      "unscorable": false
    }
  ]
}

  • 征信局分数历史

    GET /v1/credit/scores/{bureau}/series openfinance

    返回各征信局分数时间序列（id、score、date、scoreRating、isUnscoreable），供历史曲线使用。

    认证方式： Authorization: Bearer，令牌由会话令牌调用签发。

    • experian
    • equifax
    • transUnion
    • id
    • score
    • date
    • scoreRating
    • isUnscoreable
    • sourceId
    GET /v1/credit/scores/EXPERIAN/series?startDate=2025-10-01&endDate=2026-10-17 HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json
    {
  "experian": [
    {
      "id": "hist-ex-01",
      "score": "742",
      "date": "2026-10-12",
      "scoreRating": "Good",
      "isUnscoreable": false,
      "sourceId": "EXPERIAN"
    }
  ],
  "equifax": [
    {
      "id": "hist-eq-01",
      "score": "738",
      "date": "2026-10-12",
      "scoreRating": "Good",
      "isUnscoreable": false,
      "sourceId": "EQUIFAX"
    }
  ],
  "transUnion": [
    {
      "id": "hist-tu-01",
      "score": "745",
      "date": "2026-10-12",
      "scoreRating": "Good",
      "isUnscoreable": false,
      "sourceId": "TRANSUNION"
    }
  ]
}

  • 最新三局信用报告

    GET /v1/credit/files/current openfinance

    拉取最新完整信用档案：reportInfo.reportId 以及按来源的 creditFileInfo 信用记录（tradelineId、category、classification、dateOpened、monthlyPayment）和 Boost / 先买后付标志。

    认证方式： Authorization: Bearer，令牌由会话令牌调用签发。

    • reportInfo
    • reportId
    • type
    • isNew
    • creditFileInfo
    • source
    • dateOfReport
    • hasNoTIPs
    • hasOnlyBoostTradelines
    • hasBuyNowPayLaterTrades
    • accounts
    • tradelineId
    • category
    • classification
    • dateOpened
    • monthlyPayment
    GET /v1/credit/files/current HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json
    {
  "reportInfo": {
    "reportId": "rpt-9c10",
    "type": "FULL",
    "isNew": true,
    "creditFileInfo": [
      {
        "source": "EXPERIAN",
        "dateOfReport": "2026-10-12",
        "hasNoTIPs": false,
        "hasOnlyBoostTradelines": false,
        "hasBuyNowPayLaterTrades": true,
        "accounts": [
          {
            "tradelineId": "tl-4412",
            "category": "REVOLVING",
            "classification": "CREDIT_CARD",
            "dateOpened": "2019-03-14",
            "monthlyPayment": "45.00"
          }
        ]
      }
    ]
  }
}

  • 下次报告刷新窗口

    GET /v1/credit/files/refresh-window openfinance

    返回分数卡上付费刷新倒计时用的 nextReportRefresh.nextRefreshDate、daysRemain 与 frequencyType。

    认证方式： Authorization: Bearer，令牌由会话令牌调用签发。

    • nextReportRefresh
    • nextRefreshDate
    • daysRemain
    • frequencyType
    • subscriptionBenefit
    GET /v1/credit/files/refresh-window HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json
    {
  "nextReportRefresh": {
    "nextRefreshDate": "2026-11-12",
    "daysRemain": "26",
    "frequencyType": "MONTHLY",
    "subscriptionBenefit": {
      "benefitKey": "DAILY_FICO"
    }
  }
}

  • 强制重拉信用报告

    POST /v1/credit/files/refresh openfinance

    从分数刷新控件触发一次按需三局报告拉取（空响应体）。

    认证方式： Authorization: Bearer，令牌由会话令牌调用签发。

    POST /v1/credit/files/refresh HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json
    {}

  • 拉取 ScoreBoost 加分报告

    GET /v1/credit/files/bonus openfinance

    请求 Boost 加分报告，让公用事业与电信信用记录进入 hasOnlyBoostTradelines 的 creditFileInfo。

    认证方式： Authorization: Bearer，令牌由会话令牌调用签发。查询参数用于选择 Boost 加分拉取。

    • reportInfo
    • reportId
    • type
    • isNew
    • creditFileInfo
    • hasOnlyBoostTradelines
    • tradelineId
    • category
    • classification
    GET /v1/credit/files/bonus?source=boost HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json
    {
  "reportInfo": {
    "reportId": "rpt-boost-12",
    "type": "BONUS",
    "isNew": true,
    "creditFileInfo": [
      {
        "source": "EXPERIAN",
        "dateOfReport": "2026-10-12",
        "hasOnlyBoostTradelines": true,
        "accounts": [
          {
            "tradelineId": "tl-boost-01",
            "category": "UTILITY",
            "classification": "BOOST",
            "dateOpened": "2024-01-08",
            "monthlyPayment": "89.00"
          }
        ]
      }
    ]
  }
}

  • CreditLock 冻结状态

    GET /v1/credit/protection/lock-state openfinance

    读取 CreditLock 状态（与锁定、解锁动作分开）：lockStatusCode、freezeStatusCode 及起止时间戳，供冻结开关使用。

    认证方式： Authorization: Bearer，令牌由会话令牌调用签发。

    • httpStatusCode
    • lockStatusCode
    • lockStartTimeStamp
    • lockEndTimeStamp
    • freezeStatusCode
    • freezeStartTimeStamp
    • freezeEndTimeStamp
    • responseCode
    • lockStatusCodeNew
    GET /v1/credit/protection/lock-state HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json
    {
  "httpStatusCode": 200,
  "lockStatusCode": "LOCKED",
  "lockStartTimeStamp": "2026-09-01T12:00:00Z",
  "lockEndTimeStamp": "",
  "freezeStatusCode": "FROZEN",
  "freezeStartTimeStamp": "2026-09-01T12:00:00Z",
  "freezeEndTimeStamp": "",
  "responseCode": "SUCCESS",
  "lockStatusCodeNew": "LOCKED"
}

  • Experian Boost 同意状态

    GET /v1/boost/consents openfinance

    返回 Boost 同意记录（version、acceptDate、platformAcceptedOn、termType、ipAddress），作为公用事业/电信信用记录加分的门槛。

    认证方式： Authorization: Bearer，令牌由会话令牌调用签发。

    • version
    • acceptDate
    • platformAcceptedOn
    • termType
    • ipAddress
    GET /v1/boost/consents HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json
    [
  {
    "version": "2.2",
    "acceptDate": "2026-03-18T09:12:00Z",
    "platformAcceptedOn": "ANDROID",
    "termType": "BOOST",
    "ipAddress": "203.0.113.12"
  }
]

  • Money Hub 聚合账户

    GET /v1/linked-accounts openbanking

    列出经 Plaid 接入的 Money Hub 账户：accountId、institutionName、accountBalanceV2 与 accountTypeGroup（CASH / CREDIT_CARDS / LOANS / INVESTMENTS / RETIREMENT）。

    认证方式： Authorization: Bearer，令牌由会话令牌调用签发。

    • accountId
    • accountType
    • accountTypeDisplayName
    • accountTypeGroup
    • institutionName
    • institutionAccountNumberMasked
    • institutionAccountName
    • institutionProfileId
    • status
    • statusV2
    • accountBalance
    • accountBalanceV2
    • supplier
    • oAuth
    • connectionStatus
    • txnAggrStatus
    GET /v1/linked-accounts HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json
    [
  {
    "accountId": "fa-88c1",
    "accountType": "CHECKING",
    "accountTypeDisplayName": "Checking",
    "accountTypeGroup": "CASH",
    "institutionName": "Chase",
    "institutionAccountNumberMasked": "****1212",
    "institutionAccountName": "Total Checking",
    "institutionProfileId": "ins-chase",
    "status": "ACTIVE",
    "statusV2": "CONNECTED",
    "accountBalance": "2418.55",
    "accountBalanceV2": 2418.55,
    "supplier": "PLAID",
    "oAuth": true,
    "connectionStatus": "CONNECTED",
    "txnAggrStatus": "SUCCESS"
  }
]

  • Money Hub 现金流汇总

    GET /v1/linked-accounts/cash-flow openbanking

    返回 Money Hub 月度现金流快照（income、expenses、netIncome、daysRemaining、monthName）。

    认证方式： Authorization: Bearer，令牌由会话令牌调用签发。

    • income
    • expenses
    • netIncome
    • daysRemaining
    • monthName
    • accountId
    • insights
    GET /v1/linked-accounts/cash-flow?includeLinked=true HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json
    {
  "income": 4820.0,
  "expenses": 3610.25,
  "netIncome": 1209.75,
  "daysRemaining": 14,
  "monthName": "October",
  "accountId": "fa-88c1",
  "insights": []
}

  • 特拉华银行账户

    POST /v1/graphql/banking openbanking

    GraphQL 风格的 bankingAccounts 查询，对应 Experian Bank（特拉华）：availableBalance、routingNumber、acctNumberLastFour、accountStatus（OPEN/CLOSED/SUSPENDED/CLOSED_CHARGE_OFF）以及借记卡锁定标志。

    认证方式： Authorization: Bearer，令牌由会话令牌调用签发。

    • bankingAccounts
    • id
    • accountName
    • acctNumberLastFour
    • accountNumber
    • accountType
    • productKey
    • accountStatus
    • accountOpenDateTime
    • accountClosedDateTime
    • availableBalance
    • routingNumber
    • card
    • isLocked
    • cardLastFourNumber
    • isVirtual
    • isPinSet
    POST /v1/graphql/banking HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "operationName": "bankingAccounts",
  "query": "query bankingAccounts { bankingAccounts { id accountName acctNumberLastFour accountType productKey accountStatus availableBalance routingNumber accountNumber accountOpenDateTime card { id isLocked cardLastFourNumber } } }",
  "variables": {}
}
    {
  "data": {
    "bankingAccounts": [
      {
        "id": "ba-77a1",
        "accountName": "Experian Checking",
        "acctNumberLastFour": "4412",
        "accountNumber": "****4412",
        "accountType": "CHECKING",
        "productKey": "CHECKING",
        "accountStatus": "OPEN",
        "accountOpenDateTime": "2025-04-02T15:11:00Z",
        "accountClosedDateTime": null,
        "availableBalance": 1284.33,
        "routingNumber": "123456789",
        "card": {
          "id": "card-01",
          "isLocked": false,
          "cardLastFourNumber": "4412",
          "isVirtual": true,
          "isPinSet": true
        }
      }
    ]
  }
}

  • 市场 RightOffer 信用卡

    GET /v1/marketplace/card-offers openfinance

    加载 RightOffer 市场卡片：cardName、applyNowUrl、isMatchedForYou 以及 detail.annualFee / introAPR / ongoingApr / issuer。

    认证方式： Authorization: Bearer，令牌由会话令牌调用签发。

    • requestId
    • trackingId
    • isMatchedForYou
    • fieldErrors
    • lendingWorkZone
    • cardList
    • id
    • cardName
    • imageUrl
    • applyNowUrl
    • rank
    • detail
    • issuer
    • annualFee
    • introAPR
    • ongoingApr
    • introBonus
    • balanceTransfer
    • preFunnelLoanOffers
    GET /v1/marketplace/card-offers HTTP/1.1
Authorization: Bearer <access_token>
Accept: application/json
    {
  "requestId": "req-9c10",
  "trackingId": "trk-aa11",
  "isMatchedForYou": true,
  "fieldErrors": [],
  "lendingWorkZone": {
    "cardList": [
      {
        "id": "card-cap1",
        "cardName": "Capital One Quicksilver",
        "imageUrl": "https://cdn.example.com/cards/quicksilver.png",
        "applyNowUrl": "https://offers.example.com/redirect/cap1",
        "rank": "1",
        "isMatchedForYou": true,
        "detail": {
          "name": "Quicksilver",
          "issuer": "Capital One",
          "annualFee": "$0",
          "introAPR": "0% intro APR on purchases for 15 months",
          "ongoingApr": "19.24% - 29.24% variable",
          "introBonus": "$200 cash back",
          "balanceTransfer": "3% fee"
        }
      }
    ],
    "preFunnelLoanOffers": [],
    "requestId": "req-9c10",
    "isMatchedForYou": true,
    "fieldErrors": []
  }
}

  • 身份告警摘要

    POST /v1/graphql/identity osint

    GraphQL 风格的 getAlertSummary，用于身份监控角标：按 status 的 count 与 unreadTotal。相关告警详情带 alertId、headline、riskLevel、alertType。

    认证方式： Authorization: Bearer，令牌由会话令牌调用签发。

    • getAlertSummary
    • alerts
    • status
    • count
    • unreadTotal
    POST /v1/graphql/identity HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "operationName": "alertSummary",
  "query": "query alertSummary { getAlertSummary { alerts { status count } unreadTotal } }",
  "variables": {}
}
    {
  "data": {
    "getAlertSummary": {
      "alerts": [
        {"status": "NEW", "count": 3},
        {"status": "READ", "count": 11}
      ],
      "unreadTotal": 3
    }
  }
}

数据类别

  • 信用分
  • 信用报告
  • 信用锁定
  • Boost 信用记录
  • 聚合账户
  • 现金流
  • 银行余额
  • 市场报价
  • 身份告警

数据使用场景与案例

  • 三局核贷快照

    放贷台拉取当日 Experian、Equifax、TransUnion 的 FICO Score 8 以及 paymentHistoryRatingName、amountOfDebtRatingName，无需另接三合一征信商即可比较局间分差。

  • Boost 信用记录加分核验

    信用修复台对照加分报告上的 hasOnlyBoostTradelines 与 Boost 同意的 version、acceptDate，证明哪些公用事业和电信账户真正推高了 FICO 8。

  • Plaid 现金流叠加特拉华余额

    理财助手把 Money Hub 的 income / expenses / netIncome 与 Experian Bank 的 availableBalance、routingNumber 拼在一起，让发薪日和现金垫款核贷同时看到聚合银行与应用内特拉华支票户。

  • 市场预审交接

    比卡组件读取 RightOffer 的 cardName、introAPR、ongoingApr 与 isMatchedForYou，只对 matched-for-you 报价深链 applyNowUrl，而不是铺开发行方全目录。

常见问题

Experian 应用对照哪些征信局打分？

信用中心分别返回 experian、equifax、transunion 列表。每条分数对象带 bureau、brand、scoreVersion（FICO Score 8）、score、scoreRating 和 scoreIngredients 因子评级。

Experian Boost 如何出现在信用档案上？

Boost 同意是 version / acceptDate / termType 行的列表。加分报告随后在 creditFileInfo 上设置 hasOnlyBoostTradelines，表示新增信用记录只有公用事业和电信账户。

信用分旁边还有哪些银行数据？

经 Plaid 接入的 Money Hub 账户暴露 accountBalanceV2 与 institutionName。Experian Bank（特拉华）的 GraphQL bankingAccounts 再给出 availableBalance、routingNumber、acctNumberLastFour 和借记卡锁定标志。

会话如何鉴权？

Secure Login 签发 Token.accessToken（tokenType Bearer、expiresIn、idleExp）。后续报告、锁定、Boost、Money Hub 和 GraphQL 调用带 Authorization: Bearer 与该 accessToken。

与 Experian® 相似的应用

  • Intuit Credit Karma — Intuit Credit Karma 是面向美国用户的免费应用，同一登录可查看 TransUnion 与 Equifax 信用报告和分数，并提供免费信用监控以及信用卡与贷款市场。
  • Credit Sesame — Credit Sesame 免费提供每日刷新的 TransUnion 信用分、变动提醒，以及按批准概率匹配的信用卡报价；升级 Sesame+ 后可查看 TransUnion、Experian 与 Equifax 三局分数、报告和提醒。
  • myFICO — myFICO 是 FICO 面向消费者的服务：免费档每月更新一份基于 Equifax 的 FICO Score 8，付费档可加 Experian 或三局 FICO 分数与报告。
  • WalletHub — WalletHub 是面向美国用户的免费信用应用，每日更新基于 TransUnion 的信用分，可锁定 TransUnion 信用报告，并匹配信用卡与个人贷款报价。
  • CreditWise — Capital One 的 CreditWise 免费提供 FICO Score 8 和 TransUnion 信用报告，并在 TransUnion 或 Experian 档案出现新查询或逾期时发出提醒，无需开 Capital One 账户。
  • Equifax — Equifax 的 Core Credit 提供每日 VantageScore 和 Equifax 信用报告，通过 myEquifax 账户可免费冻结、暂时解冻或解除 Equifax 信用档案。
  • AnnualCreditReport.com — AnnualCreditReport.com 是美国联邦贸易委员会认定的唯一法定免费信用报告渠道，可每周获取 Equifax、Experian 与 TransUnion 报告；该站点提供报告本身，不含信用分。
  • NerdWallet — NerdWallet 是美国个人理财网站和应用，提供免费信用分工具，并比较信用卡、贷款和银行账户。

更多信贷类应用

相关主题

  • Experian API
  • FICO Score 8
  • 三局信用报告
  • Experian Boost
  • CreditLock
  • Plaid 现金流
  • Experian Bank 特拉华

需要集成这个 App 的数据 API？

我们可为任意指定 App 交付定制集成——源码交付 USD 500 起，或托管 API 按调用计费。告诉我们您需要的数据即可。

  • 每个项目均签 NDA 与 SOW
  • 3–7 天交付
  • 验收通过后才付款
  • 仅在授权范围内作业

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