Experian Personal Credit

Experian Personal Credit retrieves a Business Owner Profile (BOP) consumer credit report for the application’s primary owner. The registered Workflow Builder block is Personal Credit > Experian Personal Credit, its block ID is experian_personal_credit, and it supports the Individual entity type.

Services and inquiry context

Choose the service whose permissible purpose matches your use case. The score model is a separate required option.

Inquiry context	Service ID	Inquiry effect
Blended Prequalification	`experian_bop_blended_prequalification`	Soft inquiry
Commercial Lending To A Sole Prop	`experian_bop_commercial_lending_to_a_sole_prop`	Hard inquiry
Commercial Lending With A PG	`experian_bop_commercial_lending_with_a_pg`	Soft inquiry
Commercial Insurance	`experian_bop_commercial_insurance`	Soft inquiry
Merchant Cash Advance	`experian_bop_merchant_cash_advance`	Soft inquiry
Merchant Acquisition	`experian_bop_merchant_acquisition`	Soft inquiry
Commercial Factoring	`experian_bop_commercial_factoring`	Soft inquiry
Blended Account Review Of A Commercial Acct With A Sole Prop	`experian_bop_blended_account_review`	Soft inquiry
Commercial Collections	`experian_bop_commercial_collections`	Hard inquiry

Commercial Collections in this block is an Experian BOP inquiry context against an individual owner. It is not the Commercial Collections > Experian Commercial Collections business block (experian_commercial_collections), which supports the Business entity type and runs experian_commercial_collections.

PDF-report and Premier-attribute variants exist for each BOP inquiry context, but they are separate service IDs. The table above is the exact service inventory registered to the Workflow Builder block.

Requirements

Application field	Requirement	Notes
Primary-owner first and last name	Required	Used to match the owner.
SSN or ITIN	Optional	Normally needed for a reliable match; must be valid when supplied.
Date of birth	Optional	Supply a complete date.
Age	Optional	Supply a whole number.
Personal address	Optional	Street, city, state, and ZIP improve matching; state and ZIP must be valid when supplied.

Score models

Application field	Requirement	Notes
Score model	Required	Valid options are `vantage4` for Vantage 4.0, `fico8` for FICO 8, `fico9` for FICO 9, `fico_v2` for FICO v2, `fico_advanced2` for FICO Advanced2, and `fico5` for FICO 5.

See Experian BOP score models and Experian BOP factor codes for interpretation.

API flow

Call Enrich Business Credit Application for the application.
Set provider to one service ID from the inquiry-context table.
Send options.consumerScoreModel with one exact option value.
Confirm data.onqueue: true. This means the job was queued, not completed.
Poll GET /api/applications/{application_id}/commercial_data through Get Commercial Data with the applicable service ID in services[].

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

In commercial data, responses are grouped by score model under data.commercial_data.experian.bop.<inquiry_key>. Statuses use data.statuses.experian.bop.<inquiry_key>, latest dates use data.dates.<service_id>, and stored requests use data.request_data.experian.bop.<inquiry_key>. For example, Blended Prequalification uses blended_prequalification; BOP Commercial Collections uses commercial_collections.

Data Orchestration availability and flow

Experian BOP is available in Builders > Data Orchestration > Personal Credit. The catalog contains BOP report provider ID 48 and Premier-attribute provider ID 47.

Create or edit a template and select the Experian BOP inquiry context and consumer score model.
Connect outcomes, then save and publish the template.
Execute it with Execute Data Orchestration by sending template_id, application_id, and stage_id when required.
Monitor the application Data Orchestration logs and retrieve the result through the commercial-data paths above.

What the service returns

Response area	Meaning
`riskModel`	Selected score, evaluation label, and score-factor codes.
`consumerIdentity`	Matched names, addresses, phones, DOB, and identifiers.
`tradelines` and `collections`	Credit accounts and collection records.
`inquiries` and `publicRecord`	Inquiry history and public records when present.
`employmentInformation`	Reported employment details.
`fraudServices`	Provider fraud and identity-screening results.
`consumerAssistanceReferralAddress`	Consumer-dispute contact information when supplied.

{
  "status": "completed",
  "consumerCreditProfile": [{
    "riskModel": [{
      "score": 713,
      "evaluation": "LOW RISK",
      "scoreFactors": [{"code": "08"}]
    }],
    "tradelines": [],
    "collections": [],
    "inquiries": [],
    "publicRecord": null,
    "consumerIdentity": [],
    "fraudServices": []
  }]
}

Absent arrays, null objects, exclusion codes, and provider messages are not zero-risk findings. Preserve the provider value and evaluate it with the selected model and inquiry context.

Errors and statuses

Condition	Meaning
`data.onqueue: true`	Lendflow accepted and queued the enrichment job.
`Invalid options for <service ID>`	`consumerScoreModel` is missing or invalid.
`Client does not have an Experian subcode for ...`	The selected service/model has no configured production subcode.
`There is currently a problem retrieving data from Experian...`	No usable subcode is available.
Authentication error	Verify the connected or Lendflow-managed OAuth credentials.
`Not yet started`, `Started`, `Success`, or an error message	Lendflow lifecycle status, separate from the credit result.

FAQ

Which Experian services are hard inquiries?

Commercial Lending To A Sole Prop and BOP Commercial Collections are hard inquiries, including their PDF and Premier variants. The other registered BOP inquiry contexts are soft inquiries.

Is BOP Commercial Collections the business Commercial Collections service?

No. experian_bop_commercial_collections is a hard consumer inquiry against the primary owner. The separate business block has block and service ID experian_commercial_collections.

Does a queued response contain the report?

No. data.onqueue: true only confirms queueing. Poll the commercial-data endpoint.

Can I omit the score model?

No. The current service context requires options.consumerScoreModel.