Transform complex legacy fixed-format credit reports into clean, structured JSON data. Power your fintech applications with standardized credit data including 200+ pre-calculated analytical fields.
CreditParsePro
{
"account_number": "4",
"account_type": {
"key": "R",
"value": "revolving"
},
"close_date": "",
"credit_limit_amount": 8000,
"current_balance": 93,
"ecoa_code": {
"key": "I",
"value": "individual"
},
"high_balance_amount": 93,
"is_open": "1",
"last_payment_date": "",
"maximum_delinquency_amount": 0,
"maximum_delinquency_date": "",
"monthly_payment": 10,
"months_reviewed": 29,
"open_date": "2012-04-25",
"original_balance": 93,
"past_due_amount": 0,
"payment_history": "11211111311111111111111111111",
"portfolio_type": {
"key": "CC",
"value": "credit card"
},
"status": {
"key": "01",
"value": "paid or paying as agreed"
},
"term": 0,
"times_30_days_late": 1,
"times_60_days_late": 1,
"times_90_days_late": 0
},
From complex fixed-format strings to clean, structured JSON
TU4R062011 1614F 0459317220240229143215PH0101207000SH01027101Y05N03PEN20210602NM01070F1TEST TESTY PI01029F66666666619910601 AD01105F11333 HOPP CT FANTASY ISLAND IL60750 20221206AD01105F111233 S CARROT ST FANTASY ISLAND IL60750 20200408EM01100ASDF F 20240110V EM01100FDSA SOLUTIONS FDEVELOPER 20240110V TR01288Q 0202V002WLM P & F CU I66666 I2020042620240101V 051000003817000006587 034M000000242 US 00 2024010105 00 TR01288B 041PF002FST PREMIER R66666 I2022060120240101V 011000000184000000414000007500 00 20231201111111111X11 120000002TR01288B 09616003DISCOVERBANK R4 I2012042520240101V 011000000093000000093000008000MIN 000000010 CC 00 2023120111111111111111111111111111111 290000002TR01288Q 06262001PROVDENT FCU I66666666 I2020100420240101V 011000000554000001005 00 202312011111111111111111111111111 250000002TR01288B 0848R015WILM TRUST M666666 I1995013120240101V 011000003327000036500 300M000000163 RE 00 20231201111111111111111111111111 240000002TR01288D 0160Q001BOSCOVS R1 I2007121020231201V 011000000019000000272 MIN 000000010 00 202311011XXXXX111111XX1XXX111X1XXXXXXXXXXXX111111XX1X11 470000002TM01040000000000001000000000005000000000IN0106516ORF 04593172TEST/INQUIRY I 20240229IN0106540PEY 02462756TEST/INQUIRY I 20240113OB01148TRANSUNION TEST FACILITY 555 W ADAMS CHICAGO, IL 60661 800-888-4213 AO0101700Q8804 SC0103400Q88+696 039013027018 AO010170680004O01AO010170705101M00ENDS010024
{
"account_number": "4",
"account_type": {
"key": "R",
"value": "revolving"
},
"close_date": "",
"credit_limit_amount": 8000,
"current_balance": 93,
"ecoa_code": {
"key": "I",
"value": "individual"
},
"high_balance_amount": 93,
"is_open": "1",
"last_payment_date": "",
"maximum_delinquency_amount": 0,
"maximum_delinquency_date": "",
"monthly_payment": 10,
"months_reviewed": 29,
"open_date": "2012-04-25",
"original_balance": 93,
"past_due_amount": 0,
"payment_history": "11211111311111111111111111111",
"portfolio_type": {
"key": "CC",
"value": "credit card"
},
"status": {
"key": "01",
"value": "paid or paying as agreed"
},
"term": 0,
"times_30_days_late": 1,
"times_60_days_late": 1,
"times_90_days_late": 0
},
See how CreditParsePro transforms credit data
{
"message": "Click 'Parse Credit Report' to see the transformation!"
}
Ready to integrate? Start your free trial and get 100 API calls per month.
Get started in minutes with our simple API
curl -X POST https://api.creditparsepro.io/v1/parse \
-H "Authorization: Bearer YOUR_API_KEY" \
-H "Content-Type: application/json" \
-d '{"credit_report_text": "sample text"}'
import requests
import json
url = "https://api.creditparsepro.io/v1/parse"
headers = {
"Authorization": "Bearer YOUR_API_KEY",
"Content-Type": "application/json"
}
with open("credit_report.txt", "r") as file:
credit_report_text = file.read()
payload = {"credit_report_text": credit_report_text}
response = requests.post(url, headers=headers, json=payload)
print(response.json())const response = await fetch('https://api.creditparsepro.io/v1/parse', {
method: 'POST',
headers: {
'Authorization': 'Bearer YOUR_API_KEY',
'Content-Type': 'application/json'
},
body: JSON.stringify({
credit_report_text: creditReportText
})
});
const data = await response.json();
console.log(data);Everything you need to work with credit report data
Automatically detects bureau type and report version, handling format variations seamlessly.
Consistent JSON structure regardless of input format, making integration simple and reliable.
Optimized parsing engine processes reports in milliseconds with 99.9% accuracy.
End-to-end encryption and secure data processing.
RESTful API with comprehensive documentation and Postman collections.
Extract detailed metrics including payment history, utilization, and risk indicators.
Go beyond basic parsing with sophisticated credit metrics ready for immediate use
Advanced delinquency tracking across 3, 6, 12, 18, and 24-month periods with account-type segmentation for precise risk assessment.
Complex credit utilization calculations including individual vs. joint accounts, revolving vs. installment breakdowns, and specialized ratios excluding student loans.
Detailed categorization by auto loans, recreational loans, mortgages, and credit cards with comprehensive aging and performance metrics.
Save months of development time with pre-calculated fields that would typically require complex queries and domain expertise to derive from raw credit data.
Powering innovation across financial services
Build sophisticated risk models with structured credit data and payment history analytics.
Streamline loan approval processes with automated credit report analysis and scoring.
Analyze loan portfolios and monitor credit performance across customer segments.
Full support for major US credit reporting agencies
Complete support of ARF fixed-format with advanced mapping.
Complete support of TU4.0 and TU4.1 fixed-formats with advanced mapping.
Choose the plan that fits your needs
Start using CreditParsePro to unlock the power of structured credit data.