Processing Credit Reports from a Credit Agency's API - Approaching the Problem

 Processing Credit Reports from a Credit Agency's API - Approaching the Problem


In this blog post, we'll delve deeper into the process of processing credit reports using a credit agency's API. We'll explore the best practices for handling API requests, data extraction, and generating formatted HTML and PDF versions of the credit report.





1. Understand the Credit Agency's API Documentation

The first step in processing credit reports is to thoroughly understand the credit agency's API documentation. This will help you determine the authentication process, data submission requirements, and the structure of the API response.


2. Authentication and Data Submission

To access the credit agency's API, you'll need to handle authentication, which may involve API keys, OAuth, or other methods outlined in the documentation. Once authenticated, you'll need to submit the required information to the API, such as the user's personal information, in the specified format. For the most recent project, this was a curl request to the credit agency with the data formatted as XML.


3. Parse and Extract Data from the API Response

Upon receiving the XML response from the credit agency's API, you'll need to parse and extract the necessary data, such as credit score, inquiries, and summary data. To do this, choose an appropriate XML parsing library, like ElementTree or lxml in Python, and use it to navigate the XML structure and retrieve the required data points.


4. Design and Generate HTML and PDF Credit Reports

Once you've extracted the relevant data, you'll need to generate the HTML and PDF versions of the credit report. To ensure consistency and readability, follow these steps:

  • Design a template: Create a visually appealing and easy-to-read template for both the HTML and PDF versions of the credit report. This should include proper formatting, styling, and the placement of data points. Pay attention to specific data that needs extra attention like Fraud Alerts and payment history.

  • Populate the template: Use the extracted data to populate the template, ensuring that the information is presented accurately and consistently across both versions.

  • Convert HTML to PDF: After generating the HTML version of the credit report, use a library like ReportLab or wkhtmltopdf in Python to convert it into a PDF. Make sure that the PDF version maintains the same styling and formatting as the HTML version.


5. Store Data and Manage Report Files

With the credit report generated, you'll need to store the extracted data in a database (in this case, we used MariaDB) and manage the generated report files:

  • Database storage: Insert the extracted data into the MySQL database, ensuring proper indexing and data normalization to optimize query performance. I split the data across tables for things like trade lines, inquiries, fraud alerts, score information, credit report summary data and the core data. Be aware of sensitive data, and ensure you're storing that information encrypted and not in plain text.

  • File management: Save the HTML and PDF credit report files to a secure location, such as a server or cloud storage service, and implement access control measures to protect the sensitive information they contain. Rather than deal with generated files, another option is to generate these on the fly from database info.

  • Provide access: Create a mechanism for users or authorized personnel to access and download the HTML and PDF credit reports securely. Another option is for these files to be generated at time of request.



Processing credit reports from a credit agency's API requires a thorough understanding of the API documentation, efficient handling of authentication and data submission, parsing and extraction of XML data, and generating well-formatted HTML and PDF versions of the credit report. By employing best practices and leveraging Python's powerful libraries, you can build a reliable and secure system that meets the needs of both users and stakeholders.


What if we needed to use PHP instead?


The overall solution would not be significantly different if you chose to use PHP instead of Python, as the problem-solving steps and approach would remain similar. However, the specific libraries and syntax used would change. Here's a brief overview of the changes you would encounter when using PHP:


1. Language/Framework Selection: PHP is an excellent choice for web-based applications, and its built-in functions can handle HTTP requests and XML parsing. For PDF generation, you might consider using libraries such as TCPDF or Dompdf. For database interaction, PHP offers built-in MySQL support with the MySQLi or PDO extensions. We now only use PDO for database connections and Dompdf for generating the PDF versions.


2. Parsing and Extracting Data: PHP has built-in support for handling XML data. You can use the SimpleXML or DOM extension to parse the XML response from the API and extract the relevant data.


3. Designing and Generating HTML and PDF Credit Reports: In PHP, you can use HTML templates with embedded PHP code or a template engine like Twig to create dynamic HTML credit reports. To generate PDFs from the HTML content, consider using the TCPDF or Dompdf libraries.


4. Storing Data and Managing Report Files: With PHP's built-in MySQL support, you can use the PDO extension to interact with the MySQL database, storing the extracted data and managing database connections. For file storage, PHP provides built-in functions to handle file operations and can easily integrate with various file storage systems.


5. Testing and Monitoring: For testing PHP applications, PHPUnit is a popular testing framework that can help you develop unit tests, integration tests, and functional tests for your script. Monitoring PHP scripts can be done using built-in PHP functions, log analyzers, or third-party monitoring services.


The main difference between using PHP and Python would be the specific libraries and syntax involved, but the overall approach to solving the problem remains similar. Both languages are capable of handling API requests, processing XML data, generating PDFs, and interacting with databases. The choice between PHP and Python would ultimately depend on your personal preference, project requirements, and familiarity with the languages.

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