> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lendflow.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Experian Personal Credit

## 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 |

<Warning>
  **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`.
</Warning>

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](/api-docs/docs/experian-bop-score-models) and [Experian BOP factor codes](/api-docs/docs/experian-bop-factor-codes) for interpretation.

## API flow

1. Call [Enrich Business Credit Application](/api-reference/workflow-management/enrich-business-credit-application) for the application.
2. Set `provider` to one service ID from the inquiry-context table.
3. Send `options.consumerScoreModel` with one exact option value.
4. Confirm `data.onqueue: true`. This means the job was queued, not completed.
5. Poll `GET /api/applications/{application_id}/commercial_data` through [Get Commercial Data](/api-reference/workflow-management/get-commercial-data) with the applicable service ID in `services[]`.

```json theme={"system"}
{
  "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`.

1. Create or edit a template and select the Experian BOP inquiry context and consumer score model.
2. Connect outcomes, then save and publish the template.
3. Execute it with [Execute Data Orchestration](/api-reference/data-orchestration/execute-data-orchestration) by sending `template_id`, `application_id`, and `stage_id` when required.
4. 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. |

```json theme={"system"}
{
  "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

<AccordionGroup>
  <Accordion title="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.
  </Accordion>

  <Accordion title="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`.
  </Accordion>

  <Accordion title="Does a queued response contain the report?">
    No. `data.onqueue: true` only confirms queueing. Poll the commercial-data endpoint.
  </Accordion>

  <Accordion title="Can I omit the score model?">
    No. The current service context requires `options.consumerScoreModel`.
  </Accordion>
</AccordionGroup>