Equifax Personal Credit

Equifax Personal Credit retrieves a OneView Business Principal Report for the application’s primary owner. The registered Workflow Builder block is Personal Credit > Equifax Personal Credit, its block ID is equifax_personal_credit, and it supports the Individual entity type.

Service	Service ID	Numeric provider ID
Business Principal Report	`equifax_business_principal_report`	`43`
Business Principal Report PDF	`equifax_business_principal_report_pdf`	`43`

The PDF service depends on a report ID from the matching score-model report. If one is not stored, Lendflow first requests the Business Principal Report.

Requirements

Application field	Requirement	Notes
Primary-owner first name	Required	Must not be empty.
Primary-owner last name	Required	Must not be empty.
Personal address line 1	Required	Must not be empty.
Personal address city	Required	Must not be empty.
Personal address state	Required	Valid state value.
Personal address ZIP	Required	Valid ZIP value.
SSN	Optional	Must be a valid SSN when supplied.
Telephone	Optional	Must be a valid phone number when supplied.
Address line 2	Optional	Use for an apartment or unit number.

Score models

Application field	Requirement	Notes
Consumer score model	Required	Valid options are `vantage4` for Vantage 4.0, `fico8` for FICO 8, and `fico5` for FICO 5.

Inquiry semantics

The current Lendflow implementation fixes ECOAInquiryType to Individual, but the code does not label the report as a hard or soft inquiry and does not expose an inquiry-type option. Confirm the permissible purpose and inquiry treatment in your Equifax agreement before running the service; do not infer hard or soft behavior from the score model.

API flow

Call Enrich Business Credit Application for the application.
Set provider to equifax_business_principal_report.
Send one exact options.consumerScoreModel value.
Confirm data.onqueue: true.
Poll GET /api/applications/{application_id}/commercial_data through Get Commercial Data with services[]=equifax_business_principal_report.

{
  "provider": "equifax_business_principal_report",
  "options": {"consumerScoreModel": "vantage4"}
}

Commercial-data responses are grouped by score model at data.commercial_data.equifax.business_principal_report. Status is at data.statuses.equifax.business_principal_report, the latest date is at data.dates.equifax_business_principal_report, and the stored request is at data.request_data.equifax.business_principal_report.

Data Orchestration availability and flow

Equifax is available in Builders > Data Orchestration > Personal Credit as provider ID 43, under Business Principal Report.

Add an Equifax Business Principal Report condition or service to a template.
Select the consumer score model used by the condition.
Connect outcomes, then save and publish.
Execute through Execute Data Orchestration with template_id, application_id, and stage_id when required.
Monitor the Data Orchestration logs and retrieve the finished report through the commercial-data path.

What the service returns

Response area	Meaning
`models`	Credit score, model identifier, and up to four reason codes.
`hitCode`	Match quality or no-hit result.
`fraudIDScanAlertCodes` and `fraudVictimIndicator`	Identity-scan and fraud-alert findings.
`trades`	Tradelines, balances, limits, payment history, and delinquency counters.
`inquiries`	Reported file inquiries.
`addresses`, `subjectName`, and `identification`	Matched consumer identity details.
`consumerReferralLocation`	Equifax consumer-dispute contact details.

{
  "status": "completed",
  "consumers": {
    "equifaxUSConsumerCreditReport": [{
      "hitCode": {"code": 6, "description": "Hit and Automated Consumer Narrative"},
      "models": [{
        "score": 713,
        "modelNumber": "05402",
        "reasons": [{"code": "00029"}]
      }],
      "fraudIDScanAlertCodes": [],
      "trades": [],
      "inquiries": []
    }]
  }
}

Dates and code types in the provider payload are not fully uniform. Preserve strings and leading zeroes, tolerate null or omitted fields, and use each code’s returned description when available.

Errors and statuses

Condition	Meaning
`data.onqueue: true`	The job was queued; the report is not necessarily ready.
Hit code `2`	Poor match/no usable search result; Lendflow records an anticipated no-results error.
Equifax codes `401.01`, `401.02`, or `401.03`	Provider authorization failed.
`Bearer token missing from response` or `Unable to retrieve bearer token`	Equifax OAuth authentication failed.
`PDF generation in progress, please try again later.`	The PDF is not ready; retry after the provider finishes it.
Provider description or nested report error	Correct the reported request, identity, credential, or service problem.

FAQ

Which score models are supported?

The current options are vantage4, fico8, and fico5.

Is Equifax Personal Credit documented as a hard or soft inquiry?

No. Lendflow sends an individual ECOA inquiry type but does not expose or label hard-versus-soft behavior. Confirm it with Equifax for your account and permissible purpose.

Is an SSN required?

The current request validator permits a missing SSN. A complete name and personal address are required, and match quality may depend on the available identity data.

Does the PDF use a separate score model?

No. It retrieves the PDF associated with the report ID stored for the selected consumer score model.