Experian

Experian is a global data and technology company that provides a broad suite of APIs for accessing consumer and commercial credit data, identity verification, fraud detection, and business intelligence. The Experian API platform—available through the Experian Global Developer Portal—gives businesses direct programmatic access to Experian's extensive data assets, including business credit reports, commercial scores, corporate linkage, trade payment histories, public records (bankruptcies, liens, judgments), and consumer identity data. Organizations use the Experian API to power automated credit decisioning, streamline customer onboarding, manage portfolio risk, detect fraud, and enrich internal data with authoritative third-party financial intelligence. With more than 10 distinct API products covering commercial credit, consumer credit, and identity verification, Experian APIs are widely integrated into lending platforms, financial services applications, insurance systems, and enterprise data pipelines.

Power end-to-end data operations for your Experian API with Nexla. Our bi-directional Experian connector is purpose-built for Experian, making it simple to ingest data, sync it across systems, and deliver it anywhere — all with no coding required. Nexla turns API-sourced data into ready-to-use, reusable data products and makes it easy to send data to Experian or any other destination. With comprehensive monitoring, lineage tracking, and access controls, Nexla keeps your Experian workflows fast, secure, and fully governed.

Features

Type: API

SourceDestination

• Seamless API Integration: Connect to any endpoint as source or destination without coding, with automatic data product creation
• Visual Composition & Chaining: Build complex integrations using visual templates, chain API calls, and compose workflows with data validation and filtering
• API Proxy: Expose curated slices of your data securely with a secure and customizable API proxy that validates and transforms data on the fly
• Request optimization with intelligent batching, retry, and caching to minimize API calls and costs

Prerequisites

To connect Nexla to the Experian API, you must have an active Experian Developer Portal account with an application registered to obtain OAuth 2.0 client credentials, plus a Subscriber Code and Subcode issued by your Experian account representative for Consumer Credit and Business/Commercial Credit API access respectively.

Register for the Experian Developer Portal

Access to the Experian API is managed through the Experian Global Developer Portal at developer.experian.com.

1. Navigate to developer.experian.com/sso/register to create a new Developer Portal account.

2. Complete the registration form and verify your email address. Once your account is confirmed, you can sign in and begin creating applications.

Developer Portal credentials (username and password) are used to sign in to the portal and manage your applications; they are not entered into your Nexla credential. Experian Developer Portal passwords expire 90 days after creation or last change — plan to rotate your password to retain access to the portal.

Create an Application and Obtain Client Credentials

Each Experian API integration requires a registered application, which provides the Client ID and Client Secret used for authentication.

1. Sign in to the Experian Developer Portal at developer.experian.com.

2. Navigate to the My Apps section from the top navigation bar.

3. Click the Add New App button.

4. Enter a descriptive name for your application (for example, Nexla Integration) and select the Experian API products your integration requires.

5. Click Save (or the equivalent confirmation button) to create the application.

6. After the application is created, the portal displays a Client ID and Client Secret for the application. Copy both values and store them in a secure location.

Important

The Client Secret is displayed only once after application creation. Store it immediately in a secure location such as a password manager or secrets vault. If you lose the Client Secret, you will need to regenerate it in the Developer Portal, which will invalidate the previous secret for any existing integrations.

Determine Your Regional API Base URL

Experian provides a regional API structure, with separate sandbox and production environments for each region:

• US: https://sandbox-us-api.experian.com (sandbox) / https://us-api.experian.com (production)
• UK: https://sandbox-uk-api.experian.com (sandbox) / https://uk-api.experian.com (production)
• EMEA: https://sandbox-emea-api.experian.com (sandbox) / https://emea-api.experian.com (production)
• APAC: https://sandbox-apac-api.experian.com (sandbox) / https://apac-api.experian.com (production)

Use a sandbox endpoint for development and testing, and switch to the corresponding production endpoint when your integration is ready for live data. You will select the appropriate region and environment from the API Base URL field when creating your Nexla credential.

Authenticate

Credentials required

Authenticate using Experian OAuth 2.0 client credentials to obtain access token

Field	Required	Secret	Description
API Base URL	Yes	No	Experian API environment URL. Select your region and environment (Sandbox for testing, Production for live data). Allowed values: US - Sandbox (Testing); US - Production; UK - Sandbox (Testing); UK - Production; EMEA - Sandbox (Testing); EMEA - Production; APAC - Sandbox (Testing); APAC - Production
Client ID	Yes	Yes	Your Experian API client_id from developer.experian.com. Found in your application settings on the Experian Developer Portal.
Client Secret	Yes	Yes	Your Experian API client_secret from developer.experian.com. Found in your application settings on the Experian Developer Portal.
Subscriber Code	Yes	Yes	Your Experian subscriber code for Consumer Credit APIs. Provided by your Experian account representative.
Subcode	Yes	Yes	Your Experian subcode for Business/Commercial Credit APIs. Provided by your Experian account representative.

Create a credential in Nexla

1. After selecting the data source/destination type, click the Add Credential tile to open the Add New Credential overlay.

2. Enter a name for the credential in the Credential Name field and a short, meaningful description in the Credential Description field.

3. Select your Experian region and environment from the API Base URL field — choose from US, UK, EMEA, or APAC, each available in Sandbox and Production variants (see Prerequisites).

4. Enter the Client ID and Client Secret for your registered application. These values are generated when you create an application in the My Apps section of the Experian Developer Portal.

   The Client Secret is displayed only once after application creation. If you lose it, you must regenerate it in the Developer Portal, which invalidates the previous secret for any existing integrations.

5. Enter your Subscriber Code in the Subscriber Code field. This code, provided by your Experian account representative, is required for Consumer Credit API calls such as the Get Consumer Credit Report endpoint.

6. Enter your Subcode in the Subcode field. This code, also provided by your Experian account representative, is required for Business/Commercial Credit API calls such as Search Business and Get Business Credit Score.

   Nexla uses your Client ID and Client Secret to obtain a bearer access token from the Experian OAuth 2.0 token endpoint (derived automatically from your selected API Base URL) using the client credentials grant type. This token is included automatically in the Authorization header of all subsequent API calls. Tokens expire after a set interval — Nexla handles token refresh automatically based on the expiration time returned by Experian.

7. Click the Save button at the bottom of the overlay. The newly added credential will now appear in a tile on the Authenticate screen during data source/destination creation.

Use as a data source

To create a new data flow, navigate to the Integrate section, and click the New Data Flow button. Select the Experian API connector tile, then select the credential that will be used to connect to the Experian API instance, and click Next; or, create a new Experian API credential for use in this flow.

Endpoint templates

Nexla provides pre-built templates that can be used to rapidly configure data sources to ingest data from common Experian Credit Data endpoints. Select the endpoint from which this source will fetch data from the Endpoint pulldown menu. Available endpoint templates are listed in the expandable boxes below.

Get Consumer Credit Report

Retrieves a consumer credit profile including credit score, tradelines, inquiries, and credit history for a specified individual. Use this endpoint to pull comprehensive consumer credit data for underwriting, risk assessment, or identity verification workflows.

• Submits a POST request to the Experian consumer credit profile endpoint at /consumerservices/credit-profile/v2/credit-report/basic; the base URL is configured in your Experian credential.
• Returns consumer credit data nested under $.creditProfile in the response; each call returns a single consumer's profile.
• Configure the following parameters: First Name — consumer's first name. Last Name — consumer's last name. SSN — consumer's Social Security Number (used for identity matching). Street Address, City, State, ZIP Code — consumer's mailing address. Client Reference ID — an optional identifier to correlate requests with your internal records.

Access to the Consumer Credit Report endpoint requires an active Experian API subscription with consumer credit data permissions. SSN and address information must be accurate for Experian to return a matched credit profile. Experian enforces strict rate limits and permissible-purpose requirements on this endpoint — ensure your use case complies with the Fair Credit Reporting Act (FCRA) before ingesting consumer credit data.

Search Business

Searches for and identifies businesses in the Experian database in order to retrieve their BIN (Business Identification Number). Use this endpoint as a first step before pulling business credit scores or reports — the BIN returned here is required as an input for the Get Business Credit Score endpoint.

• Submits a POST request to /businessinformation/businesses/v1/search; returns matching business records as an array at $.results[*].
• Each result includes the business BIN, name, address, and matching confidence details.
• Configure the following parameters: Business Name — name of the business to search for. City, State, ZIP Code, Street Address — business address details used to narrow the search. Results Per Page — number of results to return per page; options are 10, 25 (Recommended), 50, or 100 (Max). Client Reference ID — optional identifier to correlate this search with your internal records.

Providing a complete and accurate business address alongside the business name significantly improves match accuracy. The BIN returned in search results can be used directly with the Get Business Credit Score endpoint to retrieve credit scores for the identified business.

Get Business Credit Score

Retrieves business credit scores from Experian for a specific business identified by its BIN (Business Identification Number). Use this endpoint to assess a business's creditworthiness using Experian's Intelliscore Plus or Financial Stability Risk Score models.

• Submits a POST request to /businessinformation/businesses/v1/reports/scores; returns credit score data at $.results.
• The response includes the requested score model's score value, percentile rank, and key contributing factors.
• Configure the following parameters: Business BIN — the Experian Business Identification Number for the target business (obtainable via the Search Business endpoint). Score Model Code — the credit score model to retrieve; options are Intelliscore Plus v3 (000224), Financial Stability Risk Score (000223), or Payment Trend Indicators (000525). Client Reference ID — optional identifier to correlate this request with your internal records.

A valid Business BIN is required to use this endpoint — use the Search Business endpoint first if you do not already have the BIN. Access to specific score models (Intelliscore Plus, Financial Stability Risk Score, Payment Trend Indicators) depends on your Experian API subscription and contracted products.

Once the selected endpoint template has been configured, click the Test button to the right of the endpoint selection menu to retrieve a sample of the data that will be fetched. Sample data will be displayed in the Endpoint Test Result panel on the right, allowing you to verify that the source is configured correctly before saving. If the sample data is not as expected, review the selected endpoint and associated settings, make any necessary adjustments, and test again.

Manual configuration

Experian Credit Data sources can also be configured manually, allowing you to ingest data from any valid Experian API endpoint not covered by the pre-built templates, including chained API calls or requests that require custom parameters. Select the Advanced tab at the top of the configuration screen, and follow the instructions in Connect to Any API to configure the API method, endpoint URL, date/time and lookup macros, path to data, metadata, and request headers.

Use the base URLs listed in Prerequisites for the Set API URL field, then append the path for the specific Experian API product you're using (Business Credit, Consumer Credit, Identity Verification, or Fraud Detection) — see the Experian Global Developer Portal for the complete endpoint reference. Experian responses nest data under a JSON key such as results or creditProfile; enter the corresponding path (e.g., $.results[*]) in the Set Path to Data in Response field. You do not need to include the Authorization header in the Request Headers field — Nexla automatically includes the OAuth 2.0 bearer token from your Experian credential.

Once all of the relevant settings have been configured, click the Create button in the upper right corner of the screen to save and create the new Experian API data source. Nexla will now begin ingesting data from the configured endpoint and will organize any data that it finds into one or more Nexsets.

Use as a destination

Click the + icon on the Nexset that will be sent to the Experian API destination, and select the Send to Destination option from the menu. Select the Experian API connector from the list of available destination connectors, then select the credential that will be used to connect to the Experian API instance, and click Next; or, create a new Experian API credential for use in this flow.

Manual configuration

Experian API destinations are configured manually. Select the Advanced tab at the top of the configuration screen, and follow the instructions in Connect to Any API to configure the data format, API method, endpoint URL, request headers, attribute exclusions, record batching, and response webhooks.

Experian API endpoints typically expect JSON format and the Content-Type: application/json header, which Nexla sets automatically based on the selected data format. Use the base URLs listed in Prerequisites for the Set API URL field, appending the path for your target endpoint (for example, https://us-api.experian.com/businessinformation/businesses/v1/...). Always test against the Experian sandbox environment before switching to production, to avoid unintended writes to live data. You do not need to include the Authorization header in the Request Headers field — Nexla automatically includes the OAuth 2.0 bearer token from your Experian credential.

Save & activate

Once all endpoint settings have been configured, click the Done button in the upper right corner of the screen to save and create the destination. To send the data to the configured Experian API endpoint, open the destination resource menu, and select Activate.

The Nexset data will not be sent to the Experian API endpoint until the destination is activated. Destinations can be activated immediately or at a later time, providing full control over data movement.