Candidate Authenticity

This guide shows you how to implement credit score verification, one of the Candidate Authenticity verification types available in vouch. See all verification types →

Implementation Example: Credit Score Verification

Credit score verification is critical for lending, tenant screening, and eligibility checks. vouch enables your business to verify financial standing by allowing users to prove their credit score through authenticated access to their financial accounts, government records, credit scoring and other platforms.

This example demonstrates how users can prove their credit score through authenticated access to their Experian account, with cryptographic proof that defeats (AI-generated) fraud.

See It in Action

Watch how credit score verification works with Experian. Users prove their credit score through authenticated access to their Experian account:

Step 1: Select Data Source

For this Candidate Authenticity example, we'll use "Experian - Credit Score Verification" as our data source. This data source allows users to verify their credit score by proving access to their Experian account. Experian stores verified credit information that vouch can cryptographically confirm.

See all Candidate Authenticity data sources →

Step 2: Redirect Users to vouch

To trigger the credit score verification process, redirect the user to vouch:

import { Vouch } from '@getvouch/sdk';

const vouch = new Vouch({
  customerId: "1be03be8-5014-413c-835a-feddf4020da2",   // Your unique customer ID
  apiKey: "your-api-key",                                // Your API key
});

const { verificationUrl, requestId } = await vouch.getDataSourceUrl({
  datasourceId: "7c2dbaf1-e75e-4dec-a3c1-d1ab71f241a1", // Experian Credit Score data source
  redirectBackUrl: "https://docs.getvouch.io/examples/candidate_authenticity", // Return destination
  webhookUrl: "https://docs.getvouch.io/api/web-proof", // Verification delivery endpoint (optional)
});

// Redirect the user to vouch
window.location.href = verificationUrl;

This opens vouch in a new tab where users authenticate with their Experian account to verify their credit score. After verification, they're redirected back to your application with the verified data.

Step 3: Receive Verification Data

When the credit score verification is complete, vouch sends a POST request to your webhookUrl you specified in Step 2:

{  "requestId": "...",  "outputs": {    "Credit Score": 809  },  "webProofs": [...]}

Payload structure:

• requestId: The unique ID of the verification request
• outputs: Verified credit score data extracted from the user's Experian account
• webProofs: Array of cryptographic verifications, each containing:
  • outputs: Data extracted from this specific verification
  • presentationJson: The cryptographic proof object used for verification
  • decodedTranscript: Human-readable HTTP request/response data

Note: The webProofs array will be absent when the data source contains sensitive data. Only the extracted outputs are retained in that case.

Verifying Cryptographic Proofs (Optional): To confirm the verification data hasn't been tampered with, extract presentationJson from webProofs and pass it to vouch's verification endpoint. Learn how to verify webproofs →

Step 4: Test the Flow

Test the complete credit score verification flow using the interactive demo below. This demonstrates the exact experience your users will have:

Available Data Sources

Next Steps

Ready to get started? Check out our Getting Started guide to learn how to integrate vouch into your application.