Bureau pulls
All four bureaus. Soft or hard. One response shape.
CIBIL, Experian, Equifax, and CRIF High Mark behind one endpoint. Soft pulls for pre-approval without touching the score, hard pulls when the application is real.
curl -X POST https://api.neetix.in/v1/bureau/pull \
-H "Authorization: Bearer sk_live_..." \
-d '{
"pan": "ABCPE1234F",
"type": "soft",
"bureau": "cibil"
}'{
"score": 761,
"bureau": "cibil",
"accounts": 7,
"active_accounts": 3,
"dpd_last_12m": 0,
"inquiries_last_6m": 2
}What ships in the box
Soft pull
Pre-approval and monitoring pulls that leave no inquiry footprint.
Hard pull
On-file inquiry for live applications, with consent capture built in.
Structured extraction
Accounts, payment history, DPD strings, and inquiries parsed into one schema across bureaus.
Fallback routing
If the primary bureau times out, route to the next one automatically.
Endpoints
/v1/bureau/pullPull report (soft or hard)/v1/bureau/reports/{id}Fetch parsed reportProviders
Each provider is an adapter behind the same interface. Pick one per lending program, switch with a config change.
Common questions
Does a soft pull affect the borrower's score?
No. Soft pulls are monitoring inquiries and leave no footprint on the report.
What about report formats?
Credit Engine parses all 7 bureau report formats into one schema. See the bureau formats page for the full list.