Logistics Guide

Congruit organizes its resources to make it as simple as possible to furnish data and to submit and receive consumer credit and fraud products. To do this we have several key concepts.

The credit bureau (Credit Reporting Agency) portion of Congruit is reached through the /evaluation endpoint. Here is where you access all our credit and fraud products.

Congruit uses an RPC-style API rather than a REST-style for Evaluation. Congruit offers many credit and fraud products, but they all require almost the same request information.

Congruit offers several Exchanges that receive data for our give-to-get free products:

• ACH Exchange for lenders to contribute ACH returns and receive ACH return counts from other contributing lenders for free.
• NoPay3 Exchange for lenders to contribute consumer tradelines and receive NoPay3 report for free.

The Exchanges are reached through the /exchange endpoint to furnish data. Congruit also support furnishing data through CSV files. All furnished data is fully disclosed to consumers and is disputable under FCRA guidelines.

Congruit uses a REST-style API for Exchange.

To specify which products you would like to be processed for a specific call to the Evaluation API, you mention a pre-approved document that lists the products you want and the order in which they are run. This document is an Explan.

Every call to the /evaluation endpoint requires a valid explan value. The value is the ID of the approved Explan. Currently, Congruit creates each Explan at the direction of the customer. But we expect to open these up for self-service in the near future.

Typical Explan id: 1776969570_ACME_LENDING_RESOLUTIONS_ACH_NOPAY3

Explans require:

• a name
• Congruit will generate an ID which is what you will use in credit inqiiries
• credit inquiry permissible purpose type:

• tradeline type:

Explans are conceived, discussed, and created in conversations with your Congruit Account Manager. You will typically have several or even many Explans. She will email you a copy of the discussed Explan details, including name and ID, and ask you to reply with your Approval. The approved Explan will then be available for you to use in the API.

Congruit identifies each legal entity that is credentialed to use our services as an Organization and issues an organization_id. Several Congruit products contain attributes that count "the number of times a consumer or payment instrument or other item has been seen in a time period for this organization.

Sometimes a customer would like to differentiate between various organizational entities. For example, a storefront lender might want to distinguish between each physical storefront. Or an online lender might have different brands that they want to track. Congruit uses the heirarchical unit of Portfolios for this purpose.

Note - credit inquiries (hard and soft) are reported to the consumer on a File Disclosure using the Portfolio name as the identification of the lender.

Each portfolio's transactional activity at Congruit is billed separately and rolled up to the organization level. At least one Portfolio is always created for each Organization. Please ask your Account Manager to create as many Portfolios as you need.

Neither the organization_id nor the portfolio_id are needed in the API. Each Explan encapsulates its organization and portfolio IDs.

Each call to a bureau endpoint can return a response containing a consumerAlert.