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Anyone know of a credit application script in PHP?

by theantihype
8 replies
A potential client sells modular homes out of recycled materials.. pretty neat stuff. Anyhow, they're not super expensive (~25k) and he wants to be able to run a persons' credit over the net.

I would really like to stick to PHP/mySQL.

Any suggestions?
#application #credit #php #script
  • Profile picture of the author Joe Motion
    So you would need people to deposit money and be given 'credits', is that right?

    Or are you talking about a 'credit checking' script?

    I'm interested in the first one!
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  • Profile picture of the author theantihype
    Looking for the second one; a way to do an "instant loan approval" based on their credit score
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  • Profile picture of the author P.Sharma
    go to freelancer.com and get accurate quotes
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  • Profile picture of the author theantihype
    Yeah.. I've gathered that I'm going to want an API account to run people's credit.. that's not going to be cheap... but worth it I'd assume.
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  • Profile picture of the author Joe Motion
    You'll need to have a relationship with a credit checking agency.. in the UK we have Experian. They'll charge you a fee for every credit check.
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    • Profile picture of the author theantihype
      Originally Posted by Joe Motion View Post

      You'll need to have a relationship with a credit checking agency.. in the UK we have Experian. They'll charge you a fee for every credit check.
      Thanks for everyone's input. I found that there are three credit bureaus here in the US, and it is worth-while for us to run all three (since we can take the best score).

      I'm going to be looking into using creditapi.com, although I was able to find a couple other decent looking services as well.
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      • Profile picture of the author seasoned
        Originally Posted by theantihype View Post

        Thanks for everyone's input. I found that there are three credit bureaus here in the US, and it is worth-while for us to run all three (since we can take the best score).

        I'm going to be looking into using creditapi.com, although I was able to find a couple other decent looking services as well.
        Gee, if you want to take the BEST score, WHY BOTHER? I think most take the WORST, or they look over everything with their own criteria. The whole idea is to determine your risk.

        And yeah, they idea of having a freelancer on a cheap site do it is silly. The HARD part is getting access to the info, NOT the program. So something like creditapi would be the way to go.

        BTW, from one of their faq items:

        CreditAPI is designed for companies that have permissible purpose to access consumer credit reports from the 3 credit bureaus: Experian, Equifax, or TransUnion. End-users of CreditAPI will need to be existing subscriber of or vetted by the three bureaus or a credit reseller to retrieve credit reports.

        You will probably have similar requirements from ANY legitimate reporting agency.

        Steve
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        • Profile picture of the author theantihype
          Originally Posted by seasoned View Post

          Gee, if you want to take the BEST score, WHY BOTHER? I think most take the WORST, or they look over everything with their own criteria. The whole idea is to determine your risk.

          And yeah, they idea of having a freelancer on a cheap site do it is silly. The HARD part is getting access to the info, NOT the program. So something like creditapi would be the way to go.

          BTW, from one of their faq items:

          CreditAPI is designed for companies that have permissible purpose to access consumer credit reports from the 3 credit bureaus: Experian, Equifax, or TransUnion. End-users of CreditAPI will need to be existing subscriber of or vetted by the three bureaus or a credit reseller to retrieve credit reports.

          You will probably have similar requirements from ANY legitimate reporting agency.

          Steve

          Good notes, thanks Steve. I will be sure to check it the client is an authorized credit reseller... although I assume they would be already, considering they are already running credit checks. Looks like I need to get some more client details!

          I agree with the no-outsourcing approach; generally the only thing I outsouce is article writing
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