MicroBilt APIs

All available APIs sorted alphabetically.


Non Credentialed APIs

 

ABA & Account Schema Verification (rVd Lite)
This service validates the bank routing number is an active routing number along with providing the financial institution’s name, contact information, type, and details on the branch locations. It will detail if the routing number accepts ACH transactions and provide any new routing numbers issued if the original has been changed. In addition if an account number is submitted, RVD Lite will check to ensure the account number structure follows a known account schema for the financial institution. To be compliant with the Nacha Web debit rule, please see RVD Advantage, RVD Plus or RVD Advantage Lite.
ACH & Check Prescreen Lite (rVd Advantage Lite)
This service verifies the bank routing number is valid and active in the US or Canada and utilizes sophisticated algorithms and proprietary processes to ensure the structure of the account presented conforms with the known structure(s) issued by the financial institution. In addition, it will also provide a decline alert if the bank account is known to be closed or invalid. RVD Advantage Lite is a non-FCRA version of ACH/Check Prescreen – RVD Advantage and does not provide an alert if an account has unpaid debits for reasons other than known account closed or invalid accounts. Because it is a non FCRA product, rVd Advantage Lite will not return the level of details provided in RVD Advantage or RVD Plus such as check writer history, account holder names or telephone numbers. rVd Advantage Lite supports the Nacha Web Debit rule.
Address Validation & Standardization
This package returns standardized formatting and classification of a submitted address as listed with the United States Postal Service, while also delivering other important indicators about the address to identify high risk locations, address type, transient commercial use and more.
Address-Name Verification
This API checks to ensure that a submitted address matches the provided individual’s name.
Death Master File Validation
This API confirms whether a submitted individual is listed as deceased and if deceased in which city and state they are so listed.
DL Format Validation
Confirms that the submitted driver’s license formatting is the correct format as stipulated for the submitted state.
Email Search
This API appends known email addresses that are associated with a submitted individual’s name and physical address.
Email Validation Service
Validates the status of an email and returns flags indicating if the email is suspicious for fraud or other risk factors.
IP Address Validation
Returns a submitted IP Address’ region, latitude and longitude, and other related attributes.
NADA Vehicle Pricing
NADA Vehicle Pricing delivers valuation data for specified used vehicles based on VIN, including vehicle make/model/body style and values for retail, trade-in and loan.
Phone-Address Verification
This API verifies that a submitted home or mobile phone number matches the submitted address.
Phone-Name Verification
This API verifies that a submitted phone number matches the submitted name.
Phone Search (Super Phone Search)
This API appends landline, wireless and VOIP phone numbers as available to a submitted name and address.
Professional License Search
This API will verify or locate an individual’s professional licensing including license number, date of issuance and expiration, current status and any associated disciplinary actions. Coverage varies by State and license type.
Property Report
This API searches tax assessment, deed, mortgage and notice of default records filed in over 3,100 counties with Tax Assessors and County Recorder of Deeds offices. Results may include information as available about property owners, physical site and mailing addresses, land and building property details, and financial information. Searches may be conducted using an address only, or a name and address.
Reverse Phone Search (Super Phone Search)
The API returns all names and addresses associated with a submitted phone number.
SSN-Address Verification
This API verifies whether a submitted Social Security Number matches a submitted address.
SSN-Name Verification
This API verifies whether a submitted Social Security Number matches a submitted name.
SSN-Phone Verification
This API verifies whether a submitted Social Security Number matches a submitted phone number.
SSN Validation
This API confirms whether or not a submitted Social Security Number is valid or invalid.
Watchlist Search
Appends any data included in OFAC/Watchlist records as matched to a submitted individual or business.
UCC Search/Report
This API returns any claims filed against collateral that is pledged on a loan. It includes debtor name and address, related filings, collateral, legal type and legal document numbers.

Credentialed APIs

 

ACH & Check Prescreen (rVd Basic & Advantage)
Prescreen ACH/check payments to reduce the risk of fraud and returns. This service verifies the bank routing number is valid and active in the US and utilizes sophisticated algorithms and proprietary processes to ensure the structure of the account presented conforms with the known structure(s) issued by the financial institution. In addition, it alerts you if the account has been reported as closed or invalid and if there are current outstanding unpaid debits in our database. RVD Advantage allows velocity and individual risk settings for every customer and returns additional consumer and bank account information about critical transaction attributes such as the name(s) and telephone numbers associated with the account when known.  RVD Advantage will return a decision code of accept, decline or warning.  RVD Advantage supports the Nacha WEB Debit rule.
User credentialing is required for access.
Bank Account Search (SPOT Verified Bank Locator)
This API leverages multiple sources of data to locate and verify Bank Routing and Account Numbers associated to an individual, while only delivering accounts verified to be low risk.
User credentialing is required for access.
Bank Account Verify Advantage (BAV Advantage)
This API accesses over one billion ACH and check transactions on more than 100 million consumers. It helps lenders and other businesses evaluate the credit and fraud risk associated with a submitted bank account.
User credentialing is required for access.
Bankruptcy Search
This API returns bankruptcy filings on an individual or business including debtor name, address, filing information, liability amount, and more.
User credentialing is required for access.
Criminal Records Search (US Criminal Search (National))
This API identifies criminal records that have been aggregated and made available for online access from state departments of corrections, county and state courts, sex offender registries and more. Records may be available on felonies, misdemeanors, traffic violations, sex offenses and incarcerations to help uncover information about criminal convictions that may otherwise be difficult to discover. Coverage varies by county and jurisdiction.
User credentialing is required for access.
Driver's License Search
This API allows users to search the driver's license bureaus of permitted states by Driver's License Number/State or Name/Address to identify current and previous driver's license registrations for an individual.
User credentialing is required for access.
Enhanced People Search
The API will locate and verify current and previous addresses, phone numbers, aliases, SSN, DOB and other identifying information about an individual from public records, credit bureau data, compiled and listed telephone databases and other sources.
User credentialing is required for access.
Employment Search (SPOT POE Database)
This API leverages a unique sourcing strategy to identify current and previous employment for an individual as reported on consumer loan applications, bank headers, alternative credit data reporting and other compiled third party data sources.
User credentialing is required for access.
Equifax Credit Report w/ Score
Delivers a consumer’s standard Equifax credit score and report.
User credentialing is required for access.
Equifax Canada Credit Report w/ Score
Delivers a consumer’s standard Equifax credit score and report on Canadian consumers.
User credentialing is required for access.
Evictions, Suits, Liens & Judgments
This API returns filed evictions, suits, liens and judgments against an individual within the past 7 years.
User credentialing is required for access.
Experian Credit Report w/ Score
Delivers a consumer’s standard Experian credit score and report.
User credentialing is required for access.
Extended ACH & Check Prescreen (rVd Plus)
Prescreen ACH/check payments to reduce the risk of fraud and returns. This service accesses the RVD databases as well as additional financial and retail historical databases to augment known history on the account.   RVD Plus verifies the bank routing number is valid and active in the US and utilizes sophisticated algorithms and proprietary processes to ensure the structure of the account presented conforms with the known structure(s) issued by the financial institution. In addition, it alerts you if the account has been reported as closed or invalid and if there are current outstanding unpaid debits in our database. RVD Plus allows velocity and individual risk settings for every customer and returns additional consumer and bank account information about critical transaction attributes such as the name(s) and telephone numbers associated with the account.  RVD Plus will return a decision code number (1 – 30) and risk level to further break out information known on the account when known.   RVD Plus Code Model  supports the Nacha WEB Debit rule.
User credentialing is required for access.
IBV Consumer (US & CAN)
This API delivers consumer banking data from more than 15,000 financial institutions. It is used to verify a consumer's bank account and their ability to repay a loan or other financial obligation. Information returned includes current and available balances, direct deposits and credits, debit transactions, account balances, insufficient fund fees, Routing/Account Number and account holder when available, estimated income and more. Additional information is also provided to verify the consumer. This includes Social Security Number verification indicators, current and previous addresses, IP address validation and other identity attributes.
User credentialing is required for access.
ID Verify
This API references multiple data sources to confirm an individual’s identity across over 60 data points of personally identifiable information (PII) and appends a fraud risk score.
User credentialing is required for access.
iPredict
A single, integrated predictive credit scoring solution that quickly evaluates the risk level of a potential loan applicant using the industry’s largest alternative lending credit database. This API delivers an industry leading score with credit attributes to support underwriting decisions.
User credentialing is required for access.
MLA Verify
This API confirms if a borrower is covered under the requirements of the Federal Military Lending Act by searching the Department of Defense database to check for active military status.
User credentialing is required for access.
Payroll Verification Service
This API delivers payroll verification of IRS forms 940/941/944/1099-MISC, payroll registers, CARES Act and PPP generated documentation as available from the payroll company (ADP, Quickbooks, Gusto & more). Requests can be specified for all available documentation or just specific forms, and is available for delivery via secure email, callback URL or GET Report API functionality.

User credentialing required for access.
PRBC Consumer Lending Report
This API enables users to submit a single request to MicroBilt's alternative credit platform to access its full suite of underwriting solutions. All or any combination of alternative credit products can be configured for delivery in the response, including: iPredict Advantage, BAV Advantage, ID Verify (for Short Term Lending) and MLA Verify. Requests through this solution are supported by MicroBilt's Automated Decision Intelligence (ADI) platform, which enable users to configure product bundles, decision workflow, scoring thresholds and other user-driven rules.
User credentialing is required for access.
PRBC Consumer Report
This API provides an alternative credit score between 350-800 using alternative credit tradelines, public records (bankruptcies, evictions, liens and judgments), ACH/check transaction history and other data scoring attributes. It is used to evaluate the credit worthiness of consumers who otherwise have little or no credit history.
User credentialing is required for access.
Trace Detail
The API locates the relatives, associates and neighbors for a submitted individual, including SSN, DOB, verified and shared addresses, phone numbers and other important identifying information.
User credentialing is required for access.
TU Credit Report w/ Score
Delivers a consumer’s standard TransUnion credit score and report.
User credentialing is required for access.
Vehicle Search
This API returns vehicle information such as VIN, tag, vehicle year, make, model, type and color as available from permitted States.
User credentialing is required for access.