# Agility Credit API

> REST API (v3) for credit reports, fraud and identity checks, compliant applications, OFAC and MLA screening, and income verification. JSON over HTTPS with Bearer API-key authentication.

Base URLs: Production `https://api.agilitycredit.net/v3`, UAT (test) `https://api.agc-dev.com/v3` (private; credentials from Agility Credit). Every request sends `Authorization: Bearer <api key>`; most also send `Agc-Tenant-Id` and `Agc-User-Id`, and every POST sends a unique `Idempotency-Key`. Every page below is Markdown; the HTML docs are at the same URL without `.md`.

## Get started

- [Developer home](https://apidocs.agilitycredit.com/index.md): quickstart, authentication, environments, errors, rate limits, versioning
- [Developer & AI tools](https://apidocs.agilitycredit.com/developer-tools.md): MCP server for AI assistants, llms.txt, OpenAPI spec, Postman collection
- [Full documentation in one file](https://apidocs.agilitycredit.com/llms-full.txt)
- [OpenAPI spec (YAML)](https://apidocs.agilitycredit.com/openapi.yaml)
- [SCIM OpenAPI spec (YAML)](https://apidocs.agilitycredit.com/agc-scim-openapi.yaml)
- [Postman collection](https://apidocs.agilitycredit.com/agility-credit-api.postman_collection.json)
- [API reference overview](https://apidocs.agilitycredit.com/api.md)

## Credit data

- [Make an Inquiry](https://apidocs.agilitycredit.com/api/make-inquiry.md): `POST /credit-reports`
- [Get a Report](https://apidocs.agilitycredit.com/api/get-credit-report.md): `GET /credit-reports/{id}`

## Fraud & identity

- [Account Opening + Synthetic ID](https://apidocs.agilitycredit.com/api/precise-id-account-opening.md): `POST /precise-id/account-opening`
- [GLB](https://apidocs.agilitycredit.com/api/precise-id-glb.md): `POST /precise-id/glb`
- [OTP Initial](https://apidocs.agilitycredit.com/api/precise-id-otp-initial.md): `POST /precise-id/otp`
- [OTP Final](https://apidocs.agilitycredit.com/api/precise-id-otp-final.md): `POST /precise-id/otp/{session_id}`
- [Out-of-Wallet Initial](https://apidocs.agilitycredit.com/api/precise-id-oow-initial.md): `POST /precise-id/oow`
- [Out-of-Wallet Final](https://apidocs.agilitycredit.com/api/precise-id-oow-final.md): `POST /precise-id/oow/{session_id}`
- [Get OTP Record](https://apidocs.agilitycredit.com/api/get-otp-record.md): `GET /otp/{id}`
- [Get OOW Record](https://apidocs.agilitycredit.com/api/get-oow-record.md): `GET /oow/{id}`
- [Auth Initial](https://apidocs.agilitycredit.com/api/prefill-auth-initial.md): `POST /prefill/auth`
- [Auth Final](https://apidocs.agilitycredit.com/api/prefill-auth-final.md): `POST /prefill/auth/{session_id}`
- [Trust + Identity](https://apidocs.agilitycredit.com/api/prefill-trust-and-identity.md): `POST /prefill/trust-and-identity`
- [Identity Verify](https://apidocs.agilitycredit.com/api/identity-verify.md): `POST /prefill/verify`
- [Identity Verify Plus](https://apidocs.agilitycredit.com/api/idv-plus.md): `POST /verify-id`
- [DL Verify](https://apidocs.agilitycredit.com/api/run-dlv.md): `POST /dlv`
- [DL Verify Results](https://apidocs.agilitycredit.com/api/get-dlv-docs.md): `GET /dlv/{id}`
- [DL Verify Link](https://apidocs.agilitycredit.com/api/create-dlv-link.md): `POST /links/dlv`

## Compliant applications

- [FastApp Link](https://apidocs.agilitycredit.com/api/fast-app-link.md): `POST /links/fastapp`
- [Compliance Link](https://apidocs.agilitycredit.com/api/compliance-link.md): `POST /links/compliance`
- [Get Applicant](https://apidocs.agilitycredit.com/api/get-applicant.md): `GET /applicant`
- [Get Compliance Records](https://apidocs.agilitycredit.com/api/get-compliance-all.md): `GET /compliance`
- [Get Compliance Record by Type](https://apidocs.agilitycredit.com/api/get-compliance-single.md): `GET /compliance/{applicant_type}`
- [List Applicant Documents](https://apidocs.agilitycredit.com/api/list-applicant-documents.md): `GET /applicant-documents`
- [Get Applicant Document](https://apidocs.agilitycredit.com/api/get-applicant-document.md): `GET /applicant-documents/{file_id}`

## OFAC & MLA screening

- [OFAC Check](https://apidocs.agilitycredit.com/api/run-ofac.md): `POST /ofac`
- [MLA Check](https://apidocs.agilitycredit.com/api/run-mla.md): `POST /mla`

## Income & employment

- [Verify Plus](https://apidocs.agilitycredit.com/api/verify-plus.md): `POST /verify/plus`
- [Verify Premium](https://apidocs.agilitycredit.com/api/verify-premium.md): `POST /verify/premium`
- [Alt-Fi Inquiry](https://apidocs.agilitycredit.com/api/run-alt-fi.md): `POST /alt-fi`
- [Alt-Fi Income](https://apidocs.agilitycredit.com/api/run-alt-fi-income.md): `POST /alt-fi/income`

## Vehicle data

- [Plate To Vin](https://apidocs.agilitycredit.com/api/run-p-2-v.md): `POST /p2v`

## Administration

- [List Tenants](https://apidocs.agilitycredit.com/api/list-tenants.md): `GET /tenants`
- [Create a Tenant](https://apidocs.agilitycredit.com/api/create-tenant.md): `POST /tenants`
- [Get a Tenant](https://apidocs.agilitycredit.com/api/get-tenant.md): `GET /tenants/{id}`
- [Update a Tenant](https://apidocs.agilitycredit.com/api/update-tenant.md): `PATCH /tenants/{id}`
- [Overview](https://apidocs.agilitycredit.com/sso/overview.md)
- [Set up Okta](https://apidocs.agilitycredit.com/sso/setup-okta.md)
- [Set up Entra ID](https://apidocs.agilitycredit.com/sso/setup-entra.md)
- [Role mapping](https://apidocs.agilitycredit.com/sso/role-mapping.md)
- [SCIM provisioning](https://apidocs.agilitycredit.com/sso/scim-provisioning.md)
- [SCIM custom integration](https://apidocs.agilitycredit.com/sso/scim-provisioning/custom-integration.md)
- [SCIM API reference](https://apidocs.agilitycredit.com/sso/scim-api/agility-credit-scim-api.md)
- [Get service provider configuration](https://apidocs.agilitycredit.com/sso/scim-api/get-service-provider-config.md): `GET /ServiceProviderConfig`
- [List schemas](https://apidocs.agilitycredit.com/sso/scim-api/list-schemas.md): `GET /Schemas`
- [Get a schema](https://apidocs.agilitycredit.com/sso/scim-api/get-schema.md): `GET /Schemas/{schemaId}`
- [List users](https://apidocs.agilitycredit.com/sso/scim-api/list-users.md): `GET /Users`
- [Create user](https://apidocs.agilitycredit.com/sso/scim-api/create-user.md): `POST /Users`
- [Get user](https://apidocs.agilitycredit.com/sso/scim-api/get-user.md): `GET /Users/{userId}`
- [Replace user](https://apidocs.agilitycredit.com/sso/scim-api/replace-user.md): `PUT /Users/{userId}`
- [Update user](https://apidocs.agilitycredit.com/sso/scim-api/patch-user.md): `PATCH /Users/{userId}`
- [Deactivate user](https://apidocs.agilitycredit.com/sso/scim-api/delete-user.md): `DELETE /Users/{userId}`
- [List groups](https://apidocs.agilitycredit.com/sso/scim-api/list-groups.md): `GET /Groups`
- [Create group (idempotent)](https://apidocs.agilitycredit.com/sso/scim-api/create-group.md): `POST /Groups`
- [Get group](https://apidocs.agilitycredit.com/sso/scim-api/get-group.md): `GET /Groups/{groupId}`
- [Replace group membership](https://apidocs.agilitycredit.com/sso/scim-api/replace-group.md): `PUT /Groups/{groupId}`
- [Patch group membership](https://apidocs.agilitycredit.com/sso/scim-api/patch-group.md): `PATCH /Groups/{groupId}`
- [Clear group membership](https://apidocs.agilitycredit.com/sso/scim-api/delete-group.md): `DELETE /Groups/{groupId}`
- [SSO-exempt users](https://apidocs.agilitycredit.com/sso/sso-exempt-users.md)
- [Troubleshooting](https://apidocs.agilitycredit.com/sso/troubleshooting.md)

## Webhooks

- [Create webhooks](https://apidocs.agilitycredit.com/webhooks/create-webhooks.md)
- [Handle Deliveries](https://apidocs.agilitycredit.com/webhooks/handle-deliveries.md)
- [Validating Deliveries](https://apidocs.agilitycredit.com/webhooks/validating-deliveries.md)
- [Webhook events & payloads](https://apidocs.agilitycredit.com/webhooks/events-and-payloads.md)

## Guides

- [Deep links](https://apidocs.agilitycredit.com/deep-links.md)
- [Precise ID](https://apidocs.agilitycredit.com/data-sanitization/precise-id.md)
- [Credit Report](https://apidocs.agilitycredit.com/data-sanitization/credit-report.md)

## Optional

- [Docs for API version 3.0.1](https://apidocs.agilitycredit.com/3.0.1/): earlier release
- [Docs for API version 2.0.3](https://apidocs.agilitycredit.com/2.0.3/): earlier release