Implement cash-flow underwriting using Experian Cashflow Attributes from consumer-permissioned bank data

Steps

1. Engage Experian to provision the Cashflow Attributes product and obtain API credentials; this product requires a separate data agreement beyond standard credit bureau access
2. 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)
3. 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
4. Receive the cashflow attribute set in the API response — attributes include income stability indicators, expense patterns, NSF frequency, and average end-of-month balance
5. 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
6. Store returned attributes with appropriate FCRA handling if you use them as factors in a credit decision