Extract credit reports to structured JSON
Credit reports compile tradeline history, public records, inquiries, and scores from the major bureaus. Each bureau formats reports differently. Sensible extracts credit report data into validated JSON for lending decisions, risk assessment, and compliance documentation.
Why credit reports challenge automated extraction
Bureau-specific formats, dense tradeline tables, and coded status indicators make extraction complex.
Equifax, Experian, and TransUnion each use different layouts and status codes. Sensible normalizes all three into one consistent schema.
A single report may contain dozens of tradelines across multiple pages. Sensible extracts every tradeline with full detail.
Tri-merge reports combine data from all three bureaus. Sensible processes merged formats and attributes each point to its source.
Fields we extract
Extract any data you need from credit reports into your desired output schema
Credit score, score model, score range, number of tradelines, total balance, credit utilization, derogatory marks count
Creditor name, account number (partial), account type, date opened, credit limit, current balance, payment status, payment history (24-month)
Hard inquiries (date, creditor), soft inquiries, bankruptcies, liens, judgments, collections, public records
Combined report from all three bureaus, common in mortgage lending.
TransUnion report with account details, disputes, and credit utilization.
Experian consumer credit report with tradelines, inquiries, and score.
Equifax format including payment history, balances, and public records.
Supported credit report formats
Sensible processes credit reports from all major bureaus and common reporting formats, including tri-merge reports. Any report format can be custom configured within hours.
Equifax, Experian, TransUnion, tri-merge (all three combined)
Consumer credit reports, mortgage credit reports, auto lending reports, business credit reports
Common Questions
How Sensible extracts data from credit reports.
Yes. Sensible captures hard and soft inquiries with dates and creditor names, plus public records such as bankruptcies, liens, and judgments when present on the report.
Yes. Sensible extracts the credit score, score model (e.g. FICO 8, VantageScore 3.0), score range, and any risk factors listed on the report.
Sensible extracts creditor name, account number (partial), account type, balance, credit limit, payment status, date opened, and payment history for each tradeline on the report.
Sensible processes credit reports from Equifax, Experian, and TransUnion. Each bureau formats reports differently, and Sensible's configuration handles these variations.
Yes. Sensible sends extraction results to your webhook endpoint when processing completes. You can also poll the API for status.
Yes. Sensible flags extractions with low confidence for human review. You can configure review thresholds and workflows.
Sensible is SOC 2 Type II certified and HIPAA compliant. Data is encrypted in transit and at rest.
Documents are deleted after 30 days by default. You can configure shorter retention periods or request immediate deletion via API.
Yes. Sensible offers a free tier with 50 documents per month. No credit card required to start.
Sensible uses per-document pricing for predictable costs. No token-based billing or usage surprises. Volume discounts are available for higher throughput.
Sensible provides REST APIs and SDKs for Python and Node.js. Most integrations take a few hours. Webhooks, Zapier, and direct API calls are all supported.
Sensible processes PDF, PNG, JPG, and TIFF files. PDFs can be native or scanned.
Accuracy depends on document quality and configuration. Most production deployments achieve 95%+ accuracy with proper validation rules and confidence scoring.
Most documents process in 2 to 10 seconds depending on complexity and page count.