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. Use Sensible to get structured credit data for lending decisions, risk assessment, and compliance documentation.

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Why credit reports challenge automated extraction

Bureau-specific formats, dense tradeline tables, and coded status indicators make extraction complex.

Bureau Format Differences

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.

Tradeline Table Complexity

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.

Tri-Merge Report Handling

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.

Fields we extract

Standard fields cover lending decisioning. Customize the schema for your credit analysis pipeline.

Score and summary

Credit score, score model, score range, number of tradelines, total balance, credit utilization, derogatory marks count

Tradelines

Creditor name, account number (partial), account type, date opened, credit limit, current balance, payment status, payment history (24-month)

Inquiries and records

Hard inquiries (date, creditor), soft inquiries, bankruptcies, liens, judgments, collections, public records


{ /* SenseML: credit report extraction */
  "fields": [
    {
      "method": {
        "id": "queryGroup",
        "queries": [
          {
            // Credit score
            "id": "credit_score",
            "description": "credit score, FICO score, score",
            "type": {
              "id": "custom",
              "pattern": "[0-9]{3}"
            }
          },
          {
            // Total number of tradelines
            "id": "total_tradelines",
            "description": "total accounts, number of tradelines, total tradelines",
            "type": { "id": "number" }
          },
          {
            // Total outstanding balance
            "id": "total_balance",
            "description": "total balance, total outstanding, aggregate balance",
            "type": { "id": "currency" }
          },
          {
            // Report date
            "id": "report_date",
            "description": "report date, date of report, date generated",
            "type": { "id": "date" }
          }
          // Additional fields for tradeline details, inquiries, public records, etc.
        ]
      }
    }
  ]
}
Tri-Merge Credit Report

Combined report from all three bureaus, common in mortgage lending.

TransUnion Credit Report

TransUnion report with account details, disputes, and credit utilization.

Experian Credit Report

Experian consumer credit report with tradelines, inquiries, and score.

Equifax Credit Report

Equifax format including payment history, balances, and public records.

Supported credit report formats

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.

By bureau

Equifax, Experian, TransUnion, tri-merge (all three combined)

By report type

Consumer credit reports, mortgage credit reports, auto lending reports, business credit reports

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Common Questions

Answers about bureau support, tradeline parsing, and tri-merge handling.

Can Sensible extract inquiry and public record data?

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.

Does Sensible extract credit scores?

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.

What tradeline data does Sensible extract?

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.

Which credit bureaus' reports does Sensible support?

Sensible processes credit reports from Equifax, Experian, and TransUnion. Each bureau formats reports differently, and Sensible's configuration handles these variations.

Do you support webhooks?

Yes. Sensible sends extraction results to your webhook endpoint when processing completes. You can also poll the API for status.

Does Sensible support human review?

Yes. Sensible flags extractions with low confidence for human review. You can configure review thresholds and workflows.

What security certifications does Sensible have?

Sensible is SOC 2 Type II certified and HIPAA compliant. Data is encrypted in transit and at rest.

How long is document data retained?

Document data is stored indefinitely by default. Custom retention policies are available and can be configured for same-day deletion if needed.

Is there a free trial?

Yes. Sensible offers a 14-day free trial on the Growth plan. No credit card required to start.

How is pricing structured?

Sensible uses per-document pricing for predictable costs. No token-based billing or usage surprises. Volume discounts are available for higher throughput.

How do I integrate with Sensible?

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.

What file formats does Sensible support?

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.

How accurate is the extraction?

Accuracy depends on document quality and configuration. Most production deployments achieve 95%+ accuracy with proper validation rules and confidence signals.

How fast is document processing?

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.

Resources

Documentation Links

Docs: Insurance template quick startDocs: Validation and human reviewDocs: API and delivery options

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Docs: Insurance template quick startDocs: Validation and human reviewDocs: API and delivery options