Extract Data from Credit Reports Automatically
Automate credit report processing with AI. Extract credit scores, account history, and financial data from any credit bureau with 99.7% accuracy. FCRA compliant.
Every Data Point Extracted Automatically
Our AI extracts all credit data including scores, accounts, payment history, and public records.
Personal Information
Name, address, SSN, DOB
Credit Score
FICO and VantageScore
Report Date
Date of credit report
Credit Bureau
Experian, Equifax, TransUnion
Credit Accounts
Open and closed accounts
Payment History
On-time and late payments
Account Balances
Current balances owed
Credit Limits
Maximum credit available
Account Status
Open, closed, paid off
Credit Inquiries
Hard and soft pulls
Derogatory Marks
Collections, bankruptcies
Public Records
Judgments, liens, bankruptcies
Credit Utilization
Percentage of credit used
Account Age
Length of credit history
Account Types
Revolving, installment, mortgage
Dispute Information
Disputed items status
The Smartest Way to Process Credit Reports
Built for lenders and credit professionals who need compliance and accuracy
99.7% Accuracy
AI trained on credit reports from all major bureaus ensures accurate data extraction
All Credit Bureaus
Process reports from Experian, Equifax, TransUnion, and other credit bureaus
Comprehensive Extraction
Extract credit scores, accounts, payment history, inquiries, and public records
Error Detection
Automatically identify errors, inconsistencies, and disputed items
FCRA Compliant
Secure processing with full compliance with Fair Credit Reporting Act
Multi-Format Support
Process PDF, HTML, and scanned credit reports from any source
Works With All Major Credit Bureaus
Process reports from any credit bureau or credit monitoring service
Built for Credit Professionals
From lending to credit repair, streamline credit report analysis
Loan Underwriting
Automate credit report analysis for mortgage, auto, and personal loan decisions
- Faster approvals
- Risk assessment
- Income verification
- Automated decisioning
Credit Risk Analysis
Assess creditworthiness and predict default risk automatically
- Risk scoring
- Portfolio analysis
- Fraud detection
- Trend identification
Credit Repair Services
Identify errors, disputes, and opportunities for credit score improvement
- Error detection
- Dispute tracking
- Score monitoring
- Client reporting
Background Checks
Process credit reports for tenant screening and employment verification
- Tenant screening
- Employment checks
- Risk assessment
- Compliance
Financial Planning
Analyze credit reports to provide personalized financial advice
- Debt analysis
- Score improvement
- Financial planning
- Goal setting
Collections & Recovery
Extract account information for debt collection and recovery operations
- Account details
- Payment history
- Contact information
- Recovery strategy
From Credit Report to Decision in 4 Easy Steps
Start processing credit reports in minutes with our intuitive workflow
Upload Credit Report
Upload credit reports via API, email, or secure portal
AI Extracts All Data
Complete credit profile extracted including scores, accounts, and history
Analyze & Validate
Automatic analysis with error detection and validation
Decision & Export
Use data for lending decisions or export to your systems
Frequently Asked Questions
Everything you need to know about automated credit report processing
What types of credit reports can you process?
We process all types of credit reports including tri-merge reports (3-bureau), individual bureau reports (Experian, Equifax, TransUnion), FICO scores, VantageScores, consumer disclosure reports, and credit monitoring reports from any credit bureau or third-party service.
Can you extract credit scores and payment history?
Yes! We extract all credit scores (FICO, VantageScore), payment history for all accounts, on-time vs. late payments, account status, balances, limits, and historical trends. We can process both current and historical credit data.
How do you handle derogatory marks and public records?
We extract all negative items including collections, charge-offs, late payments, bankruptcies, foreclosures, judgments, tax liens, and other public records. We also capture dispute status and resolution information.
Is credit report data secure?
Absolutely. We maintain SOC 2 Type II certification, comply with Fair Credit Reporting Act (FCRA), and use bank-grade 256-bit encryption. All data is encrypted in transit and at rest. We never share credit data with third parties.
Can you detect errors and inconsistencies?
Yes! Our AI automatically identifies potential errors, inconsistencies between bureaus, duplicate accounts, incorrect personal information, and items that may be candidates for dispute. This helps with credit repair and accuracy verification.
Do you support tri-merge credit reports?
Yes, we can process tri-merge reports (combining data from all three major bureaus) and automatically extract and compare information across Experian, Equifax, and TransUnion reports.
Can I integrate with loan origination systems?
Yes! We offer API integration for Loan Origination Systems (LOS), credit analysis platforms, and underwriting software. You can also export to standard formats or use webhooks for real-time processing.
How fast is the processing?
Most credit reports are processed in 10-15 seconds. Complex tri-merge reports with extensive history may take up to 20 seconds. Batch processing is available for high-volume needs.
What's the pricing?
We offer a free tier with 100 credit reports per month (no credit card required). Paid plans start at $14/month for 100 reports. For lenders and credit services processing 1,000+ reports monthly, we offer custom enterprise pricing.
Ready to Automate Credit Report Processing?
Join thousands of lenders who trust DigiParser for fast, accurate, and compliant credit report extraction. Start with 100 free reports today.