{"id":"3c7abffd-84e9-4780-b0ea-b333e22fc294","task":"Retrieve and interpret Equifax credit report data via the Equifax Consumer Credit JSON API for automated underwriting","domain":"developer.equifax.com/products/apiproducts/credit-reports","steps":["Register at developer.equifax.com and provision the Consumer Credit Reports product; obtain OAuth 2.0 client_id and client_secret","POST to the Equifax /oauth/token endpoint with grant_type=client_credentials and the credit-reports scope to receive an access_token","Submit a consumer credit inquiry POST request to the credit reports API endpoint with the borrower's name, address, SSN, and date of birth, specifying the report type and desired add-ons in the request body","Parse the JSON response: extract the Equifax credit score, tradeline array (creditor names, balances, payment history), inquiry list, public records, and any collections","Feed parsed values into your automated underwriting system (AUS) — map Equifax tradeline fields to the loan-level fields required by Fannie Mae DU or Freddie Mac LPA if submitting for GSE review","Handle a 'no hit' (no file found) response as a distinct outcome from an error: a thin-file consumer with no Equifax record requires a separate decisioning path"],"gotchas":["The Equifax Consumer Credit JSON API uses OAuth 2.0 with client-credentials grant — there is no session-based or API-key-only authentication in the current production API; legacy integrations using older auth patterns must be migrated","Production access is IP-restricted; multi-region deployments require each egress IP to be individually allowlisted with Equifax before any production calls succeed","Score models available in the response depend on your contract — the Equifax Risk Score and VantageScore may both be available, but FICO Score access requires a separate FICO licensing arrangement"],"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":"2026-06-13T18:43:30.487Z"},"url":"https://mcp.waymark.network/r/3c7abffd-84e9-4780-b0ea-b333e22fc294"}