PreScreen Gateway — API Documentation

Soft-pull pre-screening gateway for Anchored Finance. Routes applicants via Equifax/OffersIQ credit data — returns full ECM attribute profiles for downstream use.

Integration Flow

CRIF / LOS
Sends application

→

PreScreen Gateway
Validates & forwards

→

OffersIQ / Equifax
Soft pull + ECM

→

Gateway Evaluates
Score ≥ 650?

→

✓ PROCEED
Hard pull worth it

↗ ROUTE
Automatic front door

💰

$2.35 saved per routed applicant

Hard pull: $4.35 | Soft pull: $2.00 | At ~20K apps/month, sub-650 routing saves $10K+/month

ECM Attribute Coverage

Full ECM Catalog Available (ECM22+ Unlocked)

All 237 Equifax OneView attributes are active. The gateway passes the complete ECM profile through in every response — downstream systems use whichever attributes they need.

credit_score Vantage 3.0

total_tradelines Open + closed

utilization_pct Credit usage

high_credit_line Highest line

total_monthly_payment Scheduled

auto_credit_line Auto-specific

auto_utilization_pct Auto usage

mortgage_balance Mortgage debt

bankruptcy_count + age

collections_count + non-medical

tax_lien_count Public records

repossession_count Repos

foreclosure_count Foreclosures

chargeoff_count + total amount

delinquent_30/60/90 Late pays

inquiry_count Hard inquiries

The gateway's routing decision uses the credit score only. All ECM attributes are included in the API response for downstream lender qualification, DTI calculations, or any other criteria your systems need.

API Endpoints

Authentication

All API endpoints require a gateway secret via header:

X-Gateway-Secret: your-gateway-secret
# or
Authorization: Bearer your-gateway-secret

POST /api/prescreen

Run a single pre-screen. Accepts Automatic's native application format. Returns routing decision + full ECM attributes.

Required Fields

Field	Location	Type	Description
`firstName`	applicantInfo	string	REQUIRED
`lastName`	applicantInfo	string	REQUIRED
`socialSecurityNumber`	applicantInfo	string	REQUIRED
`dob`	applicantInfo	string	Recommended (YYYY-MM-DD)
`applicantResidence`	applicantInfo	object	Recommended (streetAddress, city, state, zipCode)

Request Example

{
  "partnerAppId": "CRIF-20250705-001",
  "applicantInfo": {
    "firstName": "Jane",
    "lastName": "Smith",
    "socialSecurityNumber": "123456789",
    "dob": "1985-03-15",
    "applicantResidence": {
      "streetAddress": "123 Main St",
      "city": "Miami",
      "state": "FL",
      "zipCode": "33101"
    }
  }
}

Response — PROCEED

{
  "decision": "PROCEED",
  "reason": "Score 712 meets threshold (>= 650) — proceed with hard pull",
  "score": 712,
  "threshold": 650,
  "ecmAttributes": {
    "credit_score": 712,
    "total_tradelines": 14,
    "open_tradelines": 8,
    "utilization_pct": 34,
    "high_credit_line": 25000,
    "total_monthly_payment": 1850,
    "auto_credit_line": 18000,
    "auto_utilization_pct": 45,
    "bankruptcy_count": 0,
    "collections_count": 0,
    "repossession_count": 0,
    "foreclosure_count": 0,
    "chargeoff_count": 0,
    "delinquent_30_count": 1,
    "delinquent_60_count": 0,
    "delinquent_90_count": 0
  },
  "processingMs": 1240,
  "applicationId": "CRIF-20250705-001",
  "timestamp": "2025-07-05T23:00:00.000Z"
}

Response — ROUTE

{
  "decision": "ROUTE",
  "reason": "Score 580 below threshold (< 650) — route to Automatic front door",
  "score": 580,
  "threshold": 650,
  "ecmAttributes": {
    "credit_score": 580,
    "total_tradelines": 6,
    "open_tradelines": 3,
    "utilization_pct": 78,
    "high_credit_line": 5000,
    "total_monthly_payment": 420,
    "auto_credit_line": 0,
    "bankruptcy_count": 1,
    "bankruptcy_age_months": 36,
    "collections_count": 3,
    "collections_non_medical": 2,
    "repossession_count": 0,
    "chargeoff_count": 2,
    "chargeoff_total_amount": 4200
  },
  "processingMs": 1180,
  "applicationId": "CRIF-20250705-002",
  "timestamp": "2025-07-05T23:01:00.000Z"
}

POST /api/prescreen/batch

Process up to 50 applications in a single request. Same format as single prescreen, wrapped in an applications array.

{
  "applications": [
    { "partnerAppId": "CRIF-001", "applicantInfo": { ... } },
    { "partnerAppId": "CRIF-002", "applicantInfo": { ... } }
  ]
}

GET /api/prescreen/:applicationId

Look up a previous pre-screen result by application ID.

GET /health

Health check — no authentication required.

{
  "status": "ok",
  "version": "3.4.0",
  "offersiq_credentials": "configured",
  "ecm_coverage": "full (ECM22+ unlocked)",
  "services_ready": true
}

Decision Logic

Condition	Decision	Action
Score ≥ 650	PROCEED	AF proceeds with hard pull — applicant is worth the $4.35
Score < 650	ROUTE	Route to Automatic front door — save the hard pull cost
No score available	ROUTE	Unable to score — conservative routing to Automatic

The 650 threshold is configurable via SCORE_THRESHOLD environment variable. ECM attributes are always returned regardless of the routing decision — downstream systems apply their own qualification criteria.

Error Responses

Code	Error	Cause
400	Missing required fields	firstName, lastName, or SSN not provided
401	Unauthorized	Missing or invalid gateway secret
502	OffersIQ authentication failed	Token refresh/login issue
502	OffersIQ pre-screen failed	Equifax service error
500	Internal gateway error	Unexpected server error

CRIF Integration Checklist

Step	Action	Details
1	Get gateway credentials	Receive `X-Gateway-Secret` from Automatic team
2	Map application fields	Use existing Automatic format — no schema changes needed
3	Call `POST /api/prescreen`	Send each application as it arrives
4	Handle PROCEED	Continue normal AF hard-pull flow
5	Handle ROUTE	Forward to Automatic front door (details provided separately)
6	Use `ecmAttributes`	Full credit profile available for downstream lender matching