Equifax
A bureau with integrations across asset, credit and employment verification — the widest vendor surface after the origination platforms.
Three separate verticals reach this vendor: bank and asset data, credit, and employment through its payroll records product. Each is its own integration with its own connection and language configuration; they share nothing but the vendor name.
How the integration works
The asset integration carries the most mechanism. The vendor's verification is long-running and, at the time, exposed no webhook — its guidance was to poll.
Rather than putting a polling loop in every caller, the integration was split into three declarative flows: a main flow, a status flow that polls on an interval, and an on-demand status call. When the status flow sees completion it emits the message the main flow is waiting on, so the main flow is written as though the webhook exists.
The design note on record states the intent plainly: when the vendor ships the real webhook, the two supporting flows are deleted and the main flow does not change.
Products it serves
Position in the ordering
- Employment MeridianArgyleAtomicWageFinicityExperianPinwheelCitadelEquifaxTrueworkInstantTruework
- Income ArgyleAtomicEquifaxExperianFinicityMeridianPinwheelPlaidTrueworkTruework-Instant
- Asset EquifaxFinicityPlaid
- Credit configured per lender
How this integration is built
- connection configuration
- The wire protocol. One repository per vendor API call, not per vendor.
- language configuration
- The field mapping between the vendor's vocabulary and the canonical model.
- flow file
- The four-way translation: canonical request, vendor request, vendor response, canonical response.
- waterfall priority
- One line naming where this vendor sits in the vertical's ordering.
- status call
- Activating the vendor for a lender, optionally with the lender's own credentials.
Evidence
This vendor is on the roster because each of the following resolves to a committed artifact.
StaircaseAPI/asset-product-data product/data/waterfall/waterfall.json waterfallStaircaseAPI/employment-product-product-data product/data/waterfall.json waterfallStaircaseAPI/income-pp-data product/data/waterfall/waterfall.json waterfallasset-product-data product/data/flows/check-equifax-verification-status.jsonasset-product-data product/data/flows/equifax-initiate-reverification-workflow.jsonasset-product-data product/data/flows/equifax-initiate-verification-refresh.jsonasset-product-data product/data/flows/equifax-initiate-verification-workflow.jsonasset-product-data product/data/flows/equifax-initiate-verification.jsonasset-product-data product/data/flows/equifax.jsoncredit-pp-data product/data/flows/equifax.jsonemployment-pp-data product/data/flows/Equifax.jsonincome-pp-data product/data/flows/equifax.jsonleads-equifax-contactmortgage-verification-asset-retrieve_status-equifax-configurationmortgage-verification-asset-reverification-equifax-configurationmortgage-verification-asset-verification-equifax-configurationmortgage-verification-credit-equifaxpartner-equifax-authenticate-connection-configurationpartner-equifax-get-status-polling-connection-configurationpartner-equifax-get_status-connection-configurationpartner-equifax-get_status-language-configurationpartner-equifax-initiate-asset-connection-configurationpartner-equifax-initiate_asset-language-configurationpartner-equifax-refresh_asset-connection-configurationpartner-equifax-refresh_asset-language-configurationpartner-equifax-retrieve-certificate-connection-configurationpartner-equifax-verification-of-income-connection-configuration