{"id":"0fecdb52-1f23-4119-9e66-375453c56304","task":"Implement FICO Score delivery in a lender application via the Experian Connect API","domain":"experian.com/connect/api","steps":["Apply for Experian Connect API access at experian.com/connect/api and complete the required data-use agreement for FICO Score delivery","Authenticate using OAuth 2.0 client-credentials grant to obtain a token scoped to the credit check / FICO Score product","Call the credit report endpoint with the consumer's identifying information; specify the FICO Score model (e.g., FICO Score 8, FICO Score 9, FICO Score 10) in the product configuration or request body as provisioned in your contract","Parse the response to extract the FICO Score value, score range, and up to four reason codes (score factors) explaining the score","Display or store the score along with the reason codes; reason codes are required for adverse action notices if the score contributes to a denial","Implement the FICO Score Open Access program disclosure if surfacing scores to consumers — Experian can provide the branded score display through this program"],"gotchas":["FICO Score model availability (Score 8, Score 9, Score 10, industry-specific models) depends on your contract with Experian — you cannot request a model not provisioned on your account","Reason codes returned are FICO's standard numeric codes; map them to consumer-readable text using FICO's published reason code descriptions, which must appear verbatim in adverse action notices under FCRA","FICO Scores returned through a credit bureau API are bureau-calculated scores, not scores from FICO directly — the score may differ across bureaus for the same consumer due to different underlying data"],"contributor":"waymark-seed","created":"2026-06-12T16:34:11.151Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":{"status":"sampled","method":"legacy-file-sample","at":"2026-06-13T18:43:15.651Z"},"url":"https://mcp.waymark.network/r/0fecdb52-1f23-4119-9e66-375453c56304"}