Extract data from credit reports
Unstract reads tri-merge and business credit reports, authorization forms and UCC filings, from a bureau PDF to a faxed copy, and sends every score, tradeline and inquiry to your loan origination system.
| CREDITOR · TYPE | BALANCE | LIMIT / HIGH | STATUS |
|---|---|---|---|
| TRADELINES | |||
| Harbor Point Mortgage · Conventional | 241,860 | 268,000 | Current |
| Cascade Auto Finance · Installment | 14,320 | 26,500 | Current |
| Lakeview Card Services · Revolving | 3,180 | 8,000 | 30-day late 6/26 |
| Summit Federal CU · Revolving | 940 | 5,000 | Current |
| Bridgeway Student Loans · Installment | 18,615 | 32,000 | Current |
| Total open tradelines (5) | 278,915 | 339,500 | — |
| INQUIRIES | |||
| 09/22/26 Redwood Lending Group · Mortgage | — | — | Hard |
| 03/07/26 Cascade Auto Finance · Auto | — | — | Hard |
| PUBLIC RECORDS | |||
| Bankruptcies, liens, judgments | — | — | None |
Lakeview late 6/26 — get LOE before UW · MT
Furnished for a permissible purpose under the FCRA · Lender copy
{ "reporting_agency": "Meridian Merged Credit", "applicant": "Priya R. Okafor", "ssn": "***-**-4417", "report_date": "Oct 14, 2026", "mid_score": 712, "open_tradelines": 5, "total_balance": 278915, "total_high_credit": 339500, "late_payments": "30-day late 6/26", "public_records": "None"}
Trusted by lending and onboarding teams around the globe
A credit file rarely shows up as one clean report
Brokers forward merged reports from whichever agency they use. Business applicants send a commercial report they pulled themselves, and the signed authorization comes back by fax.
Signed authorizations faxed back from the applicant's office
Three agencies, three labels for the same payment history
A loan officer's notes beside a disputed account, the balance struck through
Consumer and business reports, a UCC search and the signed consent in one PDF
The borrower's own debt schedule, to tie back to the report
Processors retype tradelines into the debt-to-income worksheet and read every page for lates and collections, so a credit decision waits on keying while the rate lock clock runs.
Unstract reads each report in its own agency's layout, pulls the scores, tradelines, inquiries and public records, totals the debts, and hands the record to your loan origination system with every derogatory item already listed.
From a pulled credit file to a decision-ready borrower record
Parse the report, extract the tradelines, run credit decisioning around them. Each product works alone; stacked, they carry a borrower's credit history from the agency PDF to the decision without a processor keying it.
Read credit reports with each tradeline kept as one record
Credit report OCR turns a merged report into layout-preserved text, whether it arrived as an agency PDF, a fax or a scan of a printed copy. The creditor, account type, balance, limit and payment status of each tradeline stay together, the 24-month payment grid keeps its columns, and the score block reads apart from the accounts beneath it.
Pass the text to your own LLM, or make parsing the first step of a credit risk decisioning workflow.
Learn more about LLMWhispererTurn credit reports into tradeline data your underwriters can use
You name the fields once: applicant, scores, report date, and for each tradeline the creditor, type, balance, limit, monthly payment and status. A merged consumer report and a commercial report from a different agency both return the same JSON. The balances are summed and compared with the report's own total, and any late payment, collection or inquiry inside your window is flagged with the line it came from.
Developers call it from a borrower portal as an API, operations teams point an ETL pipeline at the folder the credit vendor writes to, or the extraction runs as one step of an orchestrated credit decision.
Learn more about Document StudioRun credit risk decisioning from the loan package to the decision
Describe in plain English how your credit team reviews a borrower, and Flow's agents build the workflow. The financial statements, tax returns, bank statements and credit report in the package are read, the tradelines are matched to the borrower's debt schedule, and the ratios are checked against your credit policy. The result lands in your decision engine, such as FICO Platform, or a loan system such as nCino. You approve the workflow once, and every credit request follows it the same way.
You decide where a person steps in: a policy exception, a debt on the report that the schedule leaves out, a missing year of statements or a low-confidence read. Only those requests stop, with the report page attached, for a credit analyst to clear.
Learn more about FlowExtract credit report data today. Automate the credit decision next.
Start for free and run your own applicants' reports through parsing and extraction now. Debt matching, policy checks and delivery to your decision engine start with a consultation.
Consumer and business credit reports, and the filings that travel with them
Documents
- Consumer tri-merge credit reports
- Single-bureau credit reports
- Business credit reports
- Credit report authorization forms
- Credit report request forms
- UCC financing statements
- UCC search results
- Rapid rescore reports
- Credit supplements
- Debt schedules
- Letters of explanation
- Credit applications
- Bank account statements
- Pay stubs
Fields captured
Processes these reports feed
For the teams that pull, read and act on a borrower's credit
Loan officers see the mid score, the monthly debts and any recent late minutes after the pull, so pricing and the letter of explanation request happen on the first call.
Processors stop copying tradelines into the DTI worksheet, and underwriters open a file where every account, inquiry and public record is already listed against the 1003.
Member files pulled through any credit vendor read the same way, so a small lending team can review more applications without a second reviewer for each report.
Auto and personal loan desks get scores, open installment debt and revolving utilization straight into your loan origination system, fast enough to decide while the applicant waits.
Credit reviewed before the file reaches an underwriter
Handling regulated consumer data with the care the law expects
A credit report is regulated consumer data: lenders may pull and use it only for a permissible purpose under the FCRA. It holds a full Social Security number on the agency copy, every address on file and the borrower's entire debt history, which is all an identity thief needs to open new accounts in their name.
- Reports are encrypted while they move and while they are stored.
- Applicants' credit files never train any model.
- Access is granted by role and loan file, and every edited tradeline or cleared flag is logged with who changed it.
- Retention follows your policy: reports are deleted once your FCRA and record-keeping obligations end.
- Self-hosted deployment for banks and credit unions whose examiners want consumer reports kept inside their own environment.
What lenders ask about extracting credit report data
It is software that reads a credit report and returns its contents as structured fields: the scores, every tradeline with its balance, limit and status, inquiries and public records. Unstract does credit report data extraction from merged consumer reports, business reports and UCC filings, and returns one JSON record per report.
Yes. LLMWhisperer reads agency PDFs, faxes and scans of printed reports, corrects skew and noise, and keeps each tradeline's columns in line. The payment grid comes through with its months intact, so a single late in a 24-month history is not lost.
Yes. Signed authorization and request forms return the applicant's name, SSN, the purpose stated, the signature date and whether the consent box is ticked, so you can show a permissible purpose was on file before the pull.
Yes. Credit applications return the applicant, employer, income and the debts the applicant declared. Those debts can be checked against the tradelines on the report, so an account the applicant left out is flagged.
Yes. Business credit reports return the company name, payment index, trade experiences, liens and judgments. UCC-1 financing statements and search results return the debtor, the secured party, the filing number and date, and the collateral description.
A template-based credit report parser needs a new map each time a credit vendor changes its layout. Document Studio finds the fields by what they mean, so a report from a different agency or a redesigned merged report needs no new setup.
Check three things: it reads layouts from every agency your brokers use, it confirms the tradeline balances add up to the report's totals, and it delivers into the system your underwriters already open. Unstract runs as an API, an ETL pipeline or an MCP server.
You set the rules, such as any 30-day late in the last 12 months or any open collection. Each match comes back with the creditor, the date and the report line, and a processor decides whether it needs a letter of explanation.
Yes. Every open tradeline returns its monthly payment and type, so installment, revolving and mortgage debt can be totalled for the DTI ratio, with authorized-user and paid-off accounts marked apart.
Unstract is SOC 2, ISO 27001, GDPR and HIPAA compliant. Credit reports are encrypted, never used to train models and deleted on the schedule you set, and lenders who keep consumer data in-house can self-host; see the Trust Center.
Bring a week of pulled credit reports to the consultation
A tri-merge with a late on it, a business report, a UCC search and a faxed authorization. We read them live and show the tradelines, the totals and every flag.