Trusted by teams turning documents into production data
Financial Services
Credit reports compile tradeline history, public records, inquiries, and scores from the major bureaus. Each bureau formats reports differently. Use Sensible to get structured credit data for lending decisions, risk assessment, and compliance documentation.
Validated JSON
Schema-enforced output; every field matches your contract
Source coordinates
Every value links back to page + bounding box for audit
Per-document pricing
Predictable cost. No token-volatility surprises
Trusted by teams turning documents into production data
Every bureau formats reports differently, tradeline tables run dense, and status codes carry real meaning. We normalize all three bureaus into one schema, tri-merge included.
01
Equifax, Experian, and TransUnion each use different layouts, status codes, and terminology. A 'paid' account at one bureau has a different code than at another. Sensible normalizes bureau-specific conventions into your target schema.
02
A single report may list 30+ tradelines across multiple pages, each with account details, payment history, and status codes. Multi-page tables are stitched without duplication and returned as structured arrays.
03
Tri-merge reports present all three bureaus side by side. Each bureau's section gets extracted separately, preserving bureau-level tradeline detail for your credit decisioning logic.
Managed services
Solutions engineers handle plan, build, deploy, and adjust on your behalf. You see clean JSON in your API response. Same engine as self-serve, just with the configuration work outsourced.
What's included
01Plan.Engineers review your samples and pick the right method
02Build.SenseML configs written from your samples
03Deploy.Same engine as self-serve, ready for production
04Adjust.We update configs when formats shift or new edge cases appear
05Integrate.Help with custom integration into your downstream systems
We configure every credit report extraction to your exact schema, not a fixed field list. The fields below are the ones lending teams pull most often — tell us what your credit-analysis pipeline needs and we map the rest.
01
Score and summary
Credit score, score model, score range, number of tradelines, total balance, credit utilization, derogatory marks count
02
Tradelines
Creditor name, account number (partial), account type, date opened, credit limit, current balance, payment status, payment history (24-month)
03
Inquiries and records
Hard inquiries (date, creditor), soft inquiries, bankruptcies, liens, judgments, collections, public records
config.json
SenseML
{ /* SenseML: credit report extraction */
"fields": [
{
"method": {
"id": "queryGroup",
"queries": [
{ "id": "credit_score", "description": "credit score, FICO score, score" },
{ "id": "total_tradelines", "description": "total accounts, number of tradelines, total tradelines" },
{ "id": "total_balance", "description": "total balance, total outstanding, aggregate balance" },
{ "id": "report_date", "description": "report date, date of report, date generated" }
// + more fields, mapped to your schema
]
}
}
]
}Sensible processes reports from all three major bureaus plus tri-merge formats. Hybrid extraction handles the visual differences between bureaus while SenseML enforces consistent output for your credit analysis pipeline.
Equifax, Experian, TransUnion, tri-merge (all three combined)
Consumer credit reports, mortgage credit reports, auto lending reports, business credit reports
Answers about bureau support, tradeline parsing, and tri-merge handling.
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.
By default, Sensible pulls creditor name, account number, account type, balance, credit limit, payment status, date opened, and payment history for each tradeline. The fields are defined in configuration, so you can add, drop, or reshape what gets extracted to match what your workflow needs.
Any of them. Equifax, Experian, and TransUnion each format their reports differently, and tri-merge reports stack all three in one file. Sensible reads any of these layouts, and the extraction logic is configuration you control. When a bureau changes its format, or you bring a layout we haven't built yet, the config is adjusted or extended to fit.
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.
Document data is stored indefinitely by default. Custom retention policies are available and can be configured for same-day deletion if needed.
Yes. Sensible offers a 14-day free trial on the Growth plan. 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 PDFs (native or scanned), Microsoft Word (DOC, DOCX), spreadsheets (XLSX, XLS, CSV), single-page images (JPEG, PNG), multi-page images (TIFF), and email bodies with attachments.
Accuracy depends on document quality and configuration. Most production deployments achieve 95%+ accuracy with proper validation rules and confidence signals.
Processing speed depends on document size, page count, OCR requirements, and which extraction methods are used. Simple single-page documents process in seconds. Larger or more complex documents that use LLM-based extraction take longer.
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Free 14-day trial. No credit card required. Start extracting in minutes.