Engage Experian to provision the Cashflow Attributes product and obtain API credentials; this product requires a separate data agreement beyond standard credit bureau access
Collect the consumer's bank account connection via an open banking / consumer-permissioned data flow (Experian integrates with open-banking aggregators to pull transaction data)
Submit the bank transaction data or a consumer-permissioned account identifier to the Cashflow Attributes API endpoint; Experian generates scored attributes from up to 12 months of transaction history
Receive the cashflow attribute set in the API response — attributes include income stability indicators, expense patterns, NSF frequency, and average end-of-month balance
Incorporate cashflow attributes into your credit decisioning model alongside traditional bureau scores; Experian's combined Credit + Cashflow Score is optionally available as a single scored output
Store returned attributes with appropriate FCRA handling if you use them as factors in a credit decision
Known gotchas
Cashflow attributes are derived from consumer-permissioned bank data — you must obtain explicit consumer consent and provide a clear disclosure before connecting to their bank account
The combined Experian Credit + Cashflow Score (launched November 2025) requires separate provisioning from the underlying Cashflow Attributes product; confirm which product your contract covers
Using cashflow data as a credit decision factor subjects it to FCRA adverse action disclosure requirements — reason codes derived from cashflow attributes must be consumer-readable and specific
Give your agent this knowledge — and 200+ more routes
One MCP install gives any agent live access to the full route map, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp