Register for API access on the Experian Global Developer Portal (developer.experian.com) and obtain your client credentials
Exchange your client ID and secret for an OAuth 2.0 bearer token via the Experian token endpoint using client-credentials grant
Build a POST request to the Consumer Credit Profile endpoint, supplying the subject's name, address, SSN, and date of birth in the JSON body along with your add-on selections (e.g., scores, tradelines)
Parse the JSON response: check the `creditProfile` block for tradeline data, derogatory marks, and score models returned per your contract configuration
Handle permissible-purpose enforcement in your application: log the end-use code submitted and store the raw response under FCRA retention requirements
For sandbox testing use Experian's test identities provided in the portal before submitting real PII in production
Known gotchas
Experian's response schema is contract-configurable; fields returned vary by the products and add-ons enabled on your account — do not hard-code field names without confirming your specific order configuration
A permissible purpose code (e.g., credit transaction, account review) must accompany every inquiry; missing or incorrect purpose codes are a common FCRA audit finding
Production access requires a signed data-use agreement; sandbox credentials issued in the portal do not carry over to production
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