Integrations Workflow

Standard Credit Report Workflow

1. Consumer applies for credit with your end-user customer
2. Obtain OAuth 2.0 access token
3. Construct CR request with consumer information
4. POST request to Innovis API
5. Receive response with credit report data
6. CRITICAL: Store reportReferenceNumber and consumerId
7. Parse and process credit report data
8. Make lending decision
9. Provide adverse action notice if required

SECONDUSE Workflow

1. Consumer authorizes sharing report with additional lender
2. Retrieve stored reportReferenceNumber and consumerId from original CR
3. Obtain OAuth 2.0 access token (if needed)
4. Construct SECONDUSE request with:
   • New endUserCode (for the secondary lender)
   • Stored reportReferenceNumber
   • Stored consumerId
   • Original inquiry date/time
5. POST request to Innovis API
6. Receive confirmation response
7. Share original credit report with secondary lender
8. Document SECONDUSE transaction for compliance

Error Handling Workflow

1. Receive API response
2. Check returnCode field
3. If returnCode is "Error":
   • Log error details
   • Check errorMessage for specific issue
   • Retry if appropriate (network errors)
   • Contact Innovis support for persistent issues
4. If returnCode is "Record":
   • Proceed with normal processing

Best Practices

Data Storage:

• Always store reportReferenceNumber and consumerId from CR responses
• Link these values to your internal transaction/application ID
• Store original inquiry timestamp for SECONDUSE requests
• Maintain audit trail of all API requests and responses

Performance:

• Implement connection pooling for API calls
• Use appropriate timeouts (30-60 seconds recommended)
• Cache OAuth tokens until expiration
• Monitor API response times

Compliance:

• Verify permissible purpose before each request
• Provide adverse action notices when required
• Maintain proper documentation for regulatory audits
• Submit SECONDUSE for all report sharing scenarios