Experian, ready to run.
The Experian integration brings the bureau into the decision rather than into a second screen. Floowed pulls the report under your own agreement, reads it into the case alongside everything else, and applies your policy to the result.
What it does.
What Floowed reads from Experian
- Commercial credit scores and trade payment data
- Bankruptcies, liens and judgments on a business
- Consumer credit profile, where your agreement and the applicant's consent allow
What it writes back
- Nothing on this path. The bureau is a source here, not a destination.
This one typically runs on your own bureau agreement and the credentials Experian issues you, which is why it is scoped rather than switched on: the contract, the permissible purpose and the consent trail are yours, and they should stay that way. Reporting data back to a bureau is a different thing entirely, a furnisher agreement and a batch submission, and it is not what this integration does.
A small business credit application, from submission to booked loan.
- Gather
An application arrives in Salesforce. We pull the business's Experian report under your agreement and the bank transactions through Plaid.
- Interpret
We read the commercial score, trade payments, bankruptcies, liens and judgments, and the financial statements the applicant uploaded.
- Chase
Last year's tax return and the guarantor's consent are missing, so we ask the applicant and the guarantor, and follow up until both arrive.
- Decide
Your credit policy runs in the deterministic policy engine. An application outside it goes to the credit committee to decide.
- Act
We write the decision and its reasons to Salesforce and book the approved loan in LoanPro.
Used in the same case
The connection, in detail.
How it connects.
- 1
Connect Experian
Using OAuth 2.0: client ID and secret with the username and password Experian issues you; access tokens last 30 minutes, with a refresh token. Nothing migrates and nothing is replaced.
- 2
Build your operation
Describe it in Slack, Teams or the Floowed Dashboard. Floowed builds it and asks only what it can’t work out.
- 3
Let it run
Every case runs from request to outcome, the same way each time, with the reasons on record. Anything sensitive waits for a person.
Questions
Does Floowed integrate with Experian?
Yes. The Experian integration runs under your own bureau agreement, using the credentials Experian issues you, over their OAuth 2.0 API. Which products and regions you can reach is set by your agreement, not by us.
How does the Experian integration connect?
We connect it as part of setup, using the credentials Experian issues you. The mechanism is ordinary OAuth 2.0. Experian requires a subscription and verification before it issues production credentials, so the agreement comes first.
What can Floowed do with Experian data?
The report becomes one input to the decision, next to your systems, your documents and any other source. Your credit policy decides what the score and the public records mean, and the reasoning is recorded with the case.
Can Floowed use another bureau instead?
Yes. Bring any bureau or any score and we orchestrate it. We don't compete with the score, we act on it.
Is bureau data handled securely?
Bureau data is treated as regulated personal data throughout: encrypted in transit and at rest, minimized in logs, and retained to the schedule you set. Access is scoped to the cases that need it.
What does the Experian integration cost?
Experian's bureau fees are billed by Experian under your own agreement. On our side the integration costs nothing extra: you pay credits for the work Floowed does on each case. If you want us to build your credit policy or a special integration with you, that set-up is quoted. Start free with $80 of credits, or talk to us.
Start with Experian. Add the rest.
Free to try, no card, no sales call. Your first $80 of credits is on us.