Get credit profile verification checks and report history for a merchant. Returns 7 Experian checks (Address, Bankruptcy, DOB, Fraud, Name, Score, SSN) and a list of credit profile report runs.

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Get Credit Profile

Retrieves Experian-based credit profile verification checks and a history of credit profile report runs for a specific merchant. Returns 7 verification check categories and a list of previously generated report runs that can be downloaded individually.

Endpoint

GET /api/v1/merchant/creditProfile

Authentication

Basic HTTP Authentication required. Encode username:password in Base64 and pass in the Authorization header:

Authorization: Basic {base64(username:password)}

When to use

Use this endpoint during the underwriting process to review a merchant's Experian credit verification results. It provides a quick overview of all 7 check categories (Address, Bankruptcy, DOB, Fraud, Name, Score, SSN) and a list of report runs with their status, so underwriters can decide whether to proceed, request additional documents, or trigger a new soft pull.

Query Parameters

Parameter	Type	Required	Description
id	integer (int32)	Yes	Merchant profile ID

Response

200 OK

Field	Type	Description
data.checks	array	List of 7 Experian verification check results
data.checks[].verificationType	string	Check category: `Address`, `Bankruptcy`, `DOB`, `Fraud`, `Name`, `Score`, `SSN`
data.checks[].query	string	The query value submitted to Experian
data.checks[].scanResult	string	Raw result returned by Experian
data.checks[].merchantApplicationRequirement	string	What the application requires for this check
data.checks[].verificationResult	string	Final verification outcome: `Pass`, `Fail`, `Review`
data.reports	array	List of credit profile report runs
data.reports[].reportId	string	Unique report ID — use with GET /creditProfile/report to download
data.reports[].createdDate	string (date-time)	When the report was generated
data.reports[].createdBy	string	User or system that triggered the report
data.reports[].outputType	string	Report format, e.g. `PDF`, `XML`
data.reports[].status	string	Report status: `Completed`, `Pending`, `Failed`
requestId	integer	Unique request identifier for tracing
success	boolean	`true` if request succeeded
error	string	Error message if `success` is `false`

{
  "data": {
    "checks": [
      {
        "verificationType": "Address",
        "query": "53 North 11th Street, Philadelphia, PA 19107",
        "scanResult": "Match",
        "merchantApplicationRequirement": "Address must match records",
        "verificationResult": "Pass"
      },
      {
        "verificationType": "Bankruptcy",
        "query": "FAMILY SALON LLC",
        "scanResult": "No records found",
        "merchantApplicationRequirement": "No active bankruptcy",
        "verificationResult": "Pass"
      },
      {
        "verificationType": "Score",
        "query": "XXX-XX-XXXX",
        "scanResult": "720",
        "merchantApplicationRequirement": "Score >= 600",
        "verificationResult": "Pass"
      },
      {
        "verificationType": "SSN",
        "query": "XXX-XX-XXXX",
        "scanResult": "Match",
        "merchantApplicationRequirement": "SSN must be valid",
        "verificationResult": "Pass"
      }
    ],
    "reports": [
      {
        "reportId": "rpt-8f3a2c1d",
        "createdDate": "2024-10-15T09:23:41Z",
        "createdBy": "[email protected]",
        "outputType": "PDF",
        "status": "Completed"
      }
    ]
  },
  "requestId": 4187234,
  "success": true,
  "error": null
}

Error Codes

Code	When it happens
400	`id` parameter missing or invalid
401	Invalid or missing Basic Auth credentials
403	User does not have Underwriting access
404	Merchant profile not found
500	Internal server error

Common Mistakes

Forgetting to trigger a soft pull first via POST /creditProfile/softPull — if no pull has been run, the checks array may be empty or contain stale data.
Using the wrong id — this is merchantProfileId, not the merchant's MID or agent ID.
Expecting real-time data — results reflect the last completed soft pull, not live Experian data.

Related Endpoints

POST /api/v1/merchant/creditProfile/softPull — trigger a new soft pull before calling this endpoint
GET /api/v1/merchant/creditProfile/report — download full report content by reportId
GET /api/v1/merchant/bladeReview — get broader Blade verification results including OFAC, TINCheck, MaxMind

Example

curl -X GET "https://hq.staging.netevia.dev/api/v1/merchant/creditProfile?id=161787" \
  -H "Authorization: Basic $(echo -n 'username:password' | base64)"