Connect Equifax, Experian, and TransUnion
One-time bureau OAuth via Array. You authenticate with each bureau using their own credentials — Mend never sees your password. After connect, we pull fresh reports weekly and watch every line for changes.
Soft pull only
Does not affect your score. Each bureau pulls behind the scenes.
Read-only access
We can see your report. We cannot open accounts, change anything, or initiate disputes without your explicit approval.
Revoke any time
Disconnect a bureau in one tap. Your data is purged within 24 hours.
Bureaus
Equifax
Not connected
Soft pull every 7 days · webhook on score change
Experian
Not connected
Soft pull every 7 days · webhook on score change
TransUnion
Not connected
Soft pull every 7 days · webhook on score change
Ready to connect all three?
One OAuth flow per bureau. Takes about 90 seconds total. Your credit reports load into the dashboard immediately.
Mend stores credentials only with the bureau. We use Array’s permissioned-data API so we never touch your bureau login.