Question from Reddit user:
Does anybody know of a way to integrate Experian services into HubSpot so we can do business credit checks?
Any help is greatly appreciated.
Answer from Nabil:
The short answer is:
There is no official, native, off-the-shelf HubSpot app for Experian Business Credit Checks, meaning a simple plug-and-play solution doesn’t exist.
The superior and most flexible method is to build a custom, secure integration using the HubSpot API and the Experian APIs (specifically their Business Information Services API).
This approach allows you to precisely control which Experian data points – such as credit scores, financial stability risk scores, or trade payment history – are pulled and mapped directly into the relevant HubSpot Company properties or a custom CRM card, creating a seamless, automated workflow for your sales and credit teams without relying on expensive, third-party middleware tools.
The long answer is:
Relying on generic, no-code middleware platforms for integrating highly sensitive and specialized data like credit reports can be problematic due to limitations in data security, real-time functionality, and the precise mapping of complex data fields.
The recommended and most effective solution is a direct, custom connection built with the HubSpot API and the Experian APIs.
Experian offers a comprehensive suite of APIs for commercial credit data, including their Commercial Credit API and various business decisioning APIs, which are designed for real-time data access.
You would set up a custom service, perhaps hosted in a cost-effective, scalable environment like Google Cloud Platform or a secure server-side tagging container managed via Stape and triggered by a webhook in HubSpot.
When a Company record is created or reaches a specific deal stage in HubSpot, a webhook fires a request to your custom service.
This service then calls the Experian APIs to retrieve the necessary business credit information.
Once the data is received, the service uses the HubSpot API to programmatically update the corresponding Company record with the credit score, risk indicators, or other financial data.
This method is an excellent and often cheaper solution in the long run because it eliminates the subscription costs and transaction fees associated with many off-the-shelf marketplace apps or middleware tools.
While it requires an initial development investment, it gives you absolute control over data security, ensures the integration meets your specific compliance needs for handling financial information, and provides real-time, accurate credit-risk data directly inside the HubSpot interface where your team needs it most, automating your credit decisioning process immediately.
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