SBUREAUS
Universal Data Layer

One API for Global Data Access

Connect to Experian, Equifax, TransUnion, and 50+ international bureaus through a single, unified API schema. Normalize data instantly.

Get API Keys

Bureaus

3 Major

Intl Sources

50+

Universal

1 Schema

Universal Data API

Global credit aggregation, routing, and normalization

Data Sources

400+

API Uptime

99.999%

Requests per min

14,500

Avg Latency

42ms

Terminal Log

POST /v1/aggregate/score - 200 OK

GET /v1/sources/equifax - 200 OK

POST /v1/decisions/route - 200 OK

Waiting for requests_

Stop Building Distinct Integrations

Every credit bureau speaks a different language. SBUREAUS translates them all into a standard JSON format, saving your engineering team months of integration and maintenance work.

"SBUREAUS is the 'Plaid for Credit Bureaus'—a unified infrastructure layer that abstracts away the complexity of legacy bureau connections."

api.efilos.com
POST/v1/credit/report
"equifax":200 OK
"experian":200 OK
"transunion":200 OK
Unified Score
742

Infrastructure for Credit Builders

Use Cases

  • Lending Platforms & Fintechs
  • Tenant Screening Services
  • Identity Verification Providers
  • Neobanks

Fintechs

"Embed credit data into your app without managing 3 separate vendor relationships."

Global Banks

"Standardize credit data format across multiple geographies."

The Integration Nightmare, Solved

1

Spaghetti Code

Maintaining separate parsers for Experian X12 and Equifax Print Image files.

The SolutionWe handle the parsing. You get clean, typed JSON.

2

Global Fragmentation

Launching in a new country means building new integrations.

The SolutionTurn on new countries with a simple config change.

3

Latency & Downtime

Direct bureau connections can be flaky.

The SolutionSmart caching and fallback routing ensure high availability.

FEATURE 1

Universal Data Schema

Write your decision logic once against our schema, and it works with any underlying data provider. Switch bureaus without rewriting code.

Standardized Fields

FICO, VantageScore, and tradelines normalized

Type-Safe SDKs

Libraries for Node, Python, and Go

Smart Merging

De-duplicate data when pulling from multiple sources

Data Aggregator
3 Global Sources Connected
Source_1
Source_2
Source_3
FEATURE 2

Enterprise Connectivity

Built for banks and high-volume fintechs. We handle the secure tunnels, certificates, and compliance requirements.

VPN/Leased Lines

Secure connectivity to legacy bureau mainframes

Uptime Guarantees

Redundant connections to ensure 99.99% availability

Data Encryption

AES-256 encryption at rest and in transit

Secure Tunnel

End-to-end encrypted

Experian Mainframe
12ms
Equifax Gateway
18ms
TransUnion VPN
9ms
Uptime SLA
99.99%

The SBUREAUS Advantage

See why leading finance teams are switching to the modern standard.

CriterionSBUREAUSRecommendedDirect IntegrationAggregators
Integration Time
1 Week
6 Months
1 Month
Data Format
Modern JSON
Legacy/Text
XML
Maintenance
Zero
High
Medium
Vendor Contracts
One
Multiple
Multiple

Connect Once, Access Everything

1

Get Keys

Sign up and get your API credentials immediately.

2

Configure

Select which bureaus and data products you need.

3

Call API

Send a POST request and get a standardized credit report.

Frequently Asked Questions

Do I need my own bureau contracts?
Yes, typically you bring your own commercial agreements, and we provide the pipe. However, we can help with introductions.
Do you cache data?
Configurable. We can cache data to save costs and reduce latency for repeat lookups.
Is PII secure?
Absolutely. We are SOC-2 Type II certified and never store PII longer than necessary.