Equifax Bureau Formats¶
Equifax provides credit reports in JSON format with comprehensive consumer credit information. The response structure includes personal details, account summaries, credit scores (ERS - Equifax Risk Score), account details with payment history, and inquiry information. Equifax reports typically feature detailed account-level data with monthly payment status tracking and risk assessment elements.
equifax_softpull_json¶
{
"InquiryResponseHeader": {
"ClientID": "",
"CustRefField": "",
"ReportOrderNO": "",
"ProductCode": [
"CCR"
],
"SuccessCode": "1",
"Date": "2026-04-08",
"Time": "10:15:11"
},
"Score": [
{
"Type": "ERS",
"Version": "4.0"
}
],
"CCRResponse": {
"Status": "1",
"CIRReportDataLst": [
{
"Score": [
{
"Type": "ERS",
"Version": "4.0"
}
],
"CIRReportData": {
"IDAndContactInfo": {
"PersonalInfo": {
"Name": {
"FullName": "XXXXX",
"FirstName": "XXXXX ",
"MiddleName": "XXXXX "
},
" AliasName": {},
"DateOfBirth": "1991-01-01",
"Gender": "Male",
"Age": {
"Age": "35"
},
"PlaceOfBirthInfo": {},
"TotalIncome": "25000"
},
"IdentityInfo": {
"PANId": [
{
"seq": "1",
"ReportedDate": "2026-03-31",
"IdNumber": "XXXXX"
}
],
"NationalIDCard": [
{
"seq": "1",
"ReportedDate": "2026-03-23",
"IdNumber": "XXXXXXXXXXXX"
}
],
"CKYCId": [
{
"seq": "1",
"ReportedDate": "2024-11-30",
"IdNumber": "60055492853835"
}
]
},
"AddressInfo": [
{
"Seq": "1",
"ReportedDate": "2026-03-31",
"Address": "456/10 CHHOTU RAM NAGAR BAHADURGARH ROHTAK HARYANA 124507",
"State": "HR",
"Postal": "124507",
"Type": "Owns,Permanent"
}
],
"PhoneInfo": [
{
"seq": "1",
"typeCode": "H",
"ReportedDate": "2026-02-07",
"Number": "XXXXX"
}
],
"EmailAddressInfo": [
{
"seq": "1",
"ReportedDate": "2024-11-30",
"EmailAddress": "XXXXX@GMAIL.COM"
}
]
},
"ScoreDetails": [
{
"Type": "ERS",
"Version": "4.0",
"Name": "RTL.ERS4.0",
"Value": "746",
"ScoringElements": [
{
"type": "RES",
"seq": "1",
"code": "600",
"Description": "Recent Credit exposure"
},
{
"type": "RES",
"seq": "2",
"code": "606",
"Description": "Earlier Closed Accounts"
},
{
"type": "RES",
"seq": "3",
"code": "605",
"Description": "Number of Personal Loans"
}
]
}
],
"Enquiries": [
{
"seq": "1",
"Institution": "FINANCE",
"Date": "2025-11-16",
"Time": "12:49",
"RequestPurpose": "00"
}
],
"RetailAccountsSummary": {
"NoOfAccounts": "31",
"NoOfActiveAccounts": "13",
"NoOfWriteOffs": "0",
"TotalPastDue": "0.00",
"MostSevereStatusWithIn24Months": "Non-Delnqt",
"SingleHighestCredit": "0.00",
"SingleHighestSanctionAmount": "83000.00",
"TotalHighCredit": "0.00",
"AverageOpenBalance": "5524.00",
"SingleHighestBalance": "23835.00",
"NoOfPastDueAccounts": "0",
"NoOfZeroBalanceAccounts": "0",
"RecentAccount": "Short Term Personal Loan on 24-03-2026",
"OldestAccount": "Two-Wheeler Loan on 29-08-2024",
"TotalBalanceAmount": "71812.00",
"TotalSanctionAmount": "156500.00",
"TotalCreditLimit": "0.0",
"TotalMonthlyPaymentAmount": "6347.00",
"TotalWrittenOffAmount": "0.00",
"MaxDaysPastDue": "0",
"NumberOfLoansWithReportedEMI": "4",
"NoOfDelinquentAccounts": "0",
"TotalOutstandingDelinquentAccounts": "0",
"TotalOutstandingUnsecured": "47977"
},
"RetailAccountDetails": [
{
"seq": "1",
"AccountNumber": "**********",
"Institution": "FINANCE",
"AccountType": "Short Term Personal Loan",
"OwnershipType": "Individual",
"Balance": "4000",
"PastDueAmount": "0",
"Open": "Yes",
"SanctionAmount": "4000",
"DateReported": "2026-03-31",
"DateOpened": "2026-03-24",
"RepaymentTenure": "6",
"TermFrequency": "Monthly",
"AccountStatus": "New Account",
"DaysPastDue": "0",
"source": "INDIVIDUAL",
"LoanCategoryType": "Unsecured",
"History48Months": [
{
"key": "03-26",
"PaymentStatus": "NEW",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*",
"DaysPastDue": "0"
}
]
}
]
}
}
]
}
}
equifax_softpull_json_v2¶
{
"InquiryResponseHeader": {
"ClientID": "",
"CustRefField": "",
"ReportOrderNO": "",
"ProductCode": [
"CCR"
],
"SuccessCode": "1",
"Date": "2026-04-08",
"Time": "10:15:11"
},
"Score": [
{
"Type": "ERS",
"Version": "4.0"
}
],
"CCRResponse": {
"Status": "1",
"CIRReportDataLst": [
{
"Score": [
{
"Type": "ERS",
"Version": "4.0"
}
],
"ReportData": [
{
"IDAndContactInfo": {
"PersonalInfo": {
"Name": {
"FullName": "XXXXX",
"FirstName": "XXXXX ",
"MiddleName": "XXXXX "
},
" AliasName": {},
"DateOfBirth": "1991-01-01",
"Gender": "Male",
"Age": {
"Age": "35"
},
"PlaceOfBirthInfo": {},
"TotalIncome": "25000"
},
"IdentityInfo": {
"PANId": [
{
"seq": "1",
"ReportedDate": "2026-03-31",
"IdNumber": "XXXXX"
}
],
"NationalIDCard": [
{
"seq": "1",
"ReportedDate": "2026-03-23",
"IdNumber": "XXXXXXXXXXXX"
}
],
"CKYCId": [
{
"seq": "1",
"ReportedDate": "2024-11-30",
"IdNumber": "60055492853835"
}
]
},
"AddressInfo": [
{
"Seq": "1",
"ReportedDate": "2026-03-31",
"Address": "456/10 CHHOTU RAM NAGAR BAHADURGARH ROHTAK HARYANA 124507",
"State": "HR",
"Postal": "124507",
"Type": "Owns,Permanent"
}
],
"PhoneInfo": [
{
"seq": "1",
"typeCode": "H",
"ReportedDate": "2026-02-07",
"Number": "XXXXX"
}
],
"EmailAddressInfo": [
{
"seq": "1",
"ReportedDate": "2024-11-30",
"EmailAddress": "XXXXX@GMAIL.COM"
}
]
},
"ScoreDetails": [
{
"Type": "ERS",
"Version": "4.0",
"Name": "RTL.ERS4.0",
"Value": "746",
"ScoringElements": [
{
"type": "RES",
"seq": "1",
"code": "600",
"Description": "Recent Credit exposure"
},
{
"type": "RES",
"seq": "2",
"code": "606",
"Description": "Earlier Closed Accounts"
},
{
"type": "RES",
"seq": "3",
"code": "605",
"Description": "Number of Personal Loans"
}
]
}
],
"Enquiries": [
{
"seq": "1",
"Institution": "FINANCE",
"Date": "2025-11-16",
"Time": "12:49",
"RequestPurpose": "00"
}
],
"AccountSummary": {
"ConsolidateCreditSummary": {
"OverAll": {
"NumberOfOpenAccounts": "13",
"NumberOfPastDueAccounts": "0",
"TotalOutstandingBalance": "71812",
"TotalInstallmentAmount": "6347",
"NoOfDelinquentAccounts": "0",
"OutstandingDelinquentAccounts": "0",
"TotalOutstandingUnsecured": "47977"
},
"Retail": {
"NoOfAccounts": "31",
"NoOfActiveAccounts": "13",
"NoOfWriteOffs": "0",
"TotalPastDue": "0.00",
"MostSevereStatusWithIn24Months": "Non-Delnqt",
"SingleHighestCredit": "0.00",
"SingleHighestSanctionAmount": "83000.00",
"TotalHighCredit": "0.00",
"AverageOpenBalance": "5524.00",
"SingleHighestBalance": "23835.00",
"NoOfPastDueAccounts": "0",
"NoOfZeroBalanceAccounts": "0",
"RecentAccount": "Short Term Personal Loan on 24-03-2026",
"OldestAccount": "Two-Wheeler Loan on 29-08-2024",
"TotalBalanceAmount": "71812.00",
"TotalSanctionAmount": "156500.00",
"TotalCreditLimit": "0.0",
"TotalMonthlyPaymentAmount": "6347.00",
"TotalWrittenOffAmount": "0.00",
"MaxDaysPastDue": "0",
"NumberOfLoansWithReportedEMI": "4",
"NoOfDelinquentAccounts": "0",
"TotalOutstandingDelinquentAccounts": "0",
"TotalOutstandingUnsecured": "47977"
}
}
},
"Accounts": {
"RetailAccountDetails": [
{
"seq": "1",
"AccountNumber": "**********",
"Institution": "FINANCE",
"AccountType": "Short Term Personal Loan",
"OwnershipType": "Individual",
"Balance": "4000",
"PastDueAmount": "0",
"Open": "Yes",
"SanctionAmount": "4000",
"DateReported": "2026-03-31",
"DateOpened": "2026-03-24",
"RepaymentTenure": "6",
"TermFrequency": "Monthly",
"AccountStatus": "New Account",
"DaysPastDue": "0",
"source": "INDIVIDUAL",
"LoanCategoryType": "Unsecured",
"History48Months": [
{
"key": "03-26",
"PaymentStatus": "NEW",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*",
"DaysPastDue": "0"
}
]
}
]
}
}
]
}
]
}
}
equifax_hardpull_json¶
{
"CIRReportData": {
"AccountSummary": {
"AccountsSummary": {
"TotalSanctionAmount": 471039,
"NoOfPastDueAccounts": 3,
"TotalCreditLimit": 53000,
"NoOfActiveAccounts": 15,
"TotalHighCredit": 75469,
"RecentAccount": "Personal Loan on 24-03-2026",
"MostSevereStatusWithIn24Months": "01+",
"OldestAccount": "Personal Loan on 07-03-2018",
"SingleHighestSanctionAmount": 153406,
"NoOfAccounts": 209,
"NoOfWriteOffs": 1,
"SingleHighestCredit": 75469,
"AverageOpenBalance": 20752.2,
"TotalPastDue": 5033,
"NoOfZeroBalanceAccounts": 3,
"TotalMonthlyPaymentAmount": 37501,
"TotalBalanceAmount": 311283,
"SingleHighestBalance": 95904
}
},
"ScoreDetails": {
"ScoreDetail": {
"Type": "ERS",
"Version": 4,
"ScoringElements": {
"ScoringElement": [
{
"Description": "Recent Credit exposure",
"type": "RES",
"Code": 600,
"seq": 1
},
{
"Description": "Overdue Amount",
"type": "RES",
"Code": 601,
"seq": 2
},
{
"Description": "Number of Personal Loans",
"type": "RES",
"Code": 605,
"seq": 3
}
]
},
"Value": 715,
"Name": "ERS4.0"
}
},
"IDAndContactInfo": {
"EmailAddressInfo": {
"ReportedDate": "2026-03-31",
"seq": 1,
"EmailAddress": "XXXXX@GMAIL.COM"
},
"PersonalInfo": {
"DateOfBirth": "1986-08-14",
"Occupation": "",
"Gender": "Male",
"TotalIncome": 71710,
"Age": {
"Age": 39
},
"Name": {
"FullName": "XXXXX"
}
},
"IdentityInfo": {
"NationalIDCard": {
"ReportedDate": "2022-07-31",
"IdNumber": "XXXXXXXXXXXX",
"seq": 1
},
"IDOther": {
"ReportedDate": "2026-01-15",
"IdNumber": 000000,
"seq": 1
},
"PANId": {
"ReportedDate": "2026-03-31",
"IdNumber": "XXXXX",
"seq": 1
}
},
"PhoneInfo": [
{
"ReportedDate": "2026-02-15",
"Number": 000000,
"seq": 1,
"typeCode": "H"
}
],
"AddressInfo": [
{
"Type": "Permanent",
"ReportedDate": "2026-03-31",
"Address": "DEWAS NAKA MADHYA PRADESH 452001",
"State": "MP",
"seq": 1,
"Postal": 452001
}
]
},
"Enquiries": [
{
"Amount": 100000,
"Time": "15:54",
"Institution": "FINANCE",
"seq": 1,
"Date": "2026-02-07",
"RequestPurpose": "05"
}
],
"OtherKeyInd": {
"AgeOfOldestTrade": 97,
"AllLinesEVERWrittenIn6Months": 0,
"NumberOfOpenTrades": 15,
"AllLinesEVERWritten": 0.48,
"AllLinesEVERWrittenIn9Months": 1
},
"EnquirySummary": {
"Recent": "07-02-2026",
"Past30Days": 0,
"Total": 20,
"Past12Months": 2,
"Past24Months": 4,
"Purpose": "ALL"
},
"RecentActivities": {
"TotalInquiries": 1,
"AccountsOpened": 9,
"AccountsDeliquent": 3,
"AccountsUpdated": 22
},
"AccountDetails": {
"Account": [
{
"OwnershipType": "Individual",
"DateOpened": "2026-03-24",
"ReportedDate": "2026-04-15",
"DateReported": "2026-04-15",
"TermFrequency": "",
"History48Months": {
"Month": [
{
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*",
"key": "04-26",
"PaymentStatus": "NEW"
},
{
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*",
"key": "03-26",
"PaymentStatus": "NEW"
}
]
},
"RepaymentTenure": "",
"PastDueAmount": 0,
"DisputeCode": "",
"Institution": "FINANCE",
"AccountType": "Personal Loan",
"CollateralType": "",
"Reason": "",
"AccountNumber": "**********",
"Open": "Yes",
"CollateralValue": "",
"AccountStatus": "New Account",
"SuitFiledStatus": "",
"SanctionAmount": 10000,
"AssetClassification": "",
"InterestRate": "",
"Balance": 14364,
"seq": 2
}
]
}
},
"InquiryResponseHeader": {
"ReportOrderNO": 2582532570,
"HitCode": 11,
"ProductCode": "PCS",
"CustomerCode": "",
"ClientID": "",
"CustRefField": 000000,
"SuccessCode": 1,
"Time": "15:21:14",
"Date": "21-04-2026"
},
"Scores": {
"Score": {
"Type": "ERS",
"Version": 3.1,
"seq": 1
}
},
"InquiryRequestInfo": {
"InquiryPurpose": "05",
"AddrLine1": "338 gulab bagh",
"FirstName": "XXXXXX",
"MobilePhone": 0000000,
"TransactionAmount": 67000,
"State": "MP",
"DOB": "1986-08-01",
"FullName": "XXXXXX",
"LastName": "XXXXXX",
"InquiryPhones": {
"InquiryPhone": {
"Number": 00000000,
"PhoneType": "M",
"seq": 1
}
},
"Postal": 452010,
"InquiryAddresses": {
"InquiryAddress": {
"AddressLine": "338 gulab bagh",
"State": "MP",
"seq": 1,
"Postal": 452010
}
},
"PANId": "XXXXXX"
}
}