First, there are more than 2 vendors. If you google "API for credit scores" you'll see a bunch of vendors. For example: Https://crscreditapi.com/ Https://universalcredit.com/credit-report-api/. Source: almost 3 years ago

However! A determined user can still do something like load the app on a phone in an Android or iOS simulator, then watch all outgoing API calls and basically reverse-engineer how things work. This is how Teller wrote their system -- they loaded up bank apps onto a simulator and basically reverse-engineered the API for the various banks. Source: over 1 year ago

I haven’t used it and I couldn’t find their pricing, but there is also Teller. https://teller.io. Source: almost 2 years ago

Have you considered integration with a free api to import transactions? Source: over 2 years ago

Congrats on the launch! I'm the CEO and co-founder of https://teller.io that uses private mobile banking APIs to provide access to bank accounts too, and you're right it's the way to go. We don't think regulation or OAuth based APIs will ever yield an improvement on this approach (explained why here - https://blog.teller.io/2021/06/21/our-mission.html) You're going to quickly find out that these API endpoints are... - Source: Hacker News / over 2 years ago

I’d also check out https://teller.io as well. Source: over 2 years ago