DocumentationHosted Experience

Buyer-Supplied Bureau Data

If your back-end already has borrower-authorized bureau data, you can pass it while creating a Hosted Experience URL.

This is optional. Hosted Experience works even when you do not send bureau data.

When To Use This

Use buyer-supplied bureau data when:

  • your application has already received a bureau report for the borrower
  • the borrower has authorized your application to share that report with Aarthik Labs
  • you want Aarthik Labs to store the report with the borrower and journey context

Do not send bureau data directly from a browser or mobile app. Send it only from your trusted back-end.

Request Shape

Add a top-level bureau object to POST /api/lab/sessions.

1{
2  "borrowerProviderID": "BORROWER-123",
3  "journeyType": "PERSONAL_LOAN",
4  "profile": {
5    "contactNumber": "9876543210"
6  },
7  "journey": {
8    "endUse": "travel",
9    "bureauConsent": true
10  },
11  "bureau": {
12    "type": "EXPERIAN",
13    "data": {
14      "score": 742,
15      "accounts": [
16        {
17          "id": "account-1",
18          "status": "active"
19        }
20      ]
21    }
22  }
23}

Required Fields

FieldRequiredNotes
bureau.typeYesOne of EXPERIAN, CIBIL, CRIF, or EQUIFAX.
bureau.dataYesRaw bureau report payload as a JSON object.
journey.bureauConsentYes, when bureau is sentMust be true whenever bureau is provided.

Optional References

You may also send:

FieldPurpose
bureau.pulledAtTimestamp for when your application pulled or received the bureau report.
bureau.reportReferenceYour internal report reference for support and reconciliation.
bureau.consentReferenceYour internal borrower-consent reference for audit and reconciliation.

These fields are optional. If you do not have them, omit them.

What Happens Next

Aarthik Labs stores the raw bureau data with borrower, tenant, application, and journey context. The raw report is redacted from audit payloads and is not exposed to the borrower-facing Hosted page.

The API still returns the normal embeddable URL response. The bureau object is not returned in the response.

Note: Buyer-supplied bureau data is stored safely for audit, provenance, and supported processing. Do not assume it will automatically replace all lender or bureau pulls unless Aarthik Labs has confirmed support for your bureau format.

Read the exact request contract in the API Reference.