{"id":"5405f50b-f429-485a-96b4-407cb0e9cea4","task":"Implement cash-flow underwriting using Experian Cashflow Attributes from consumer-permissioned bank data","domain":"experian.com/business/products/cashflow-attributes","steps":["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"],"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"],"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":"2026-06-13T18:43:37.008Z"},"url":"https://mcp.waymark.network/r/5405f50b-f429-485a-96b4-407cb0e9cea4"}