Congruit offers a range of FCRA-actionable and non-FCRA-actionable products which can be run in any combination in single or multiple API calls. Products must be approved in advance on the Congruit Product Addendum which lists contractual details, pricing, and other items.
Users specify which products should be run by specifying the Explan in the API request, as described on the Logistics page. Explans are currently created by Congruit staff at the direction of the customer, but we plan to open these up for self-service in the near future.
(last updated June 2026)
Some input fields are mandatory for all products, see Credit and Fraud page. Some products have additional required fields, listed in the table below.
Bank account. At the point in your underwriting waterfall when you want to call Congruit, if you have bank account then you can include the ACH Exchange and/or Bank Profile products in the call's Explan. If you don't have a bank account at that point, use Bank Profile Alternate which fetches the most recently seen bank account for the consumer and returns the same attributes as Bank Profile. Ditto Bank ACH History returns the same attributes as ACH Exchange for a set of the most recently seen bank accounts.
Remember, you can call Congruit multiple times during your underwriting waterfall.
| Product | Required Fields | Description | FCRA Actionable |
|---|---|---|---|
| Resolution Verify identity verification | - | Validates key identity elements, including name, address, phone, email, SSN, and OFAC screening to support fraud prevention and compliance. | no |
| Resolution consumer intelligence | - | Provides recent activity associated with a consumer, delivering insight into current behavior and engagement patterns. | yes |
| ACH Exchange payment risk intelligence | bank account and routing | Identifies historical ACH return activity associated with a consumer's bank account to help reduce payment failures. | yes |
| Bank ACH History banking intelligence | - | Provides ACH return activity associated with previously used bank accounts, offering additional payment risk insight. | yes |
| NoPay3 Exchange credit risk intelligence | - | Identifies consumers with a history of never-pay loan activity, helping lenders better assess repayment risk. | yes |
| Consumer Credit Insights credit intelligence | - | Delivers risk indicators derived from consumer tradeline and inquiry activity to support underwriting decisions. | yes |
| Bank Profile banking intelligence | bank account and routing | Delivers institution-level bank characteristics and risk indicators associated with a consumer's financial institution. | no |
| Bank Profile Alternate banking intelligence | - | Same attributes in the report as Bank Profile but for the previously seen bank account. | no |
| ChexAdvisor™ banking intelligence | - | Provides access to ChexSystems' banking intelligence for account acquisition, review, and prescreening strategies. | yes |