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Welcome to Credzu API

Credzu is a consumer protection platform for the credit repair industry. We operate as a neutral marketplace and escrow-based system where lenders and partners can safely refer declined borrowers, track their progress in real time, and seamlessly receive them back once credit eligibility is restored.

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What is Credzu?

When a loan application is declined due to credit issues, Credzu provides a “credit rescue loop” - borrowers are referred to vetted credit repair providers, their progress is tracked, and they’re returned to you once mortgage-ready. Key features:
  • Escrow Protection - Funds are only released to credit repair providers after verified score improvements
  • Real-Time Tracking - Monitor borrower progress at every milestone
  • Automated Workflow - No manual referrals, emails, or copy/paste errors
  • Compliance Built-In - Adherence to federal and state credit repair laws

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Base URL

https://credzu.com/wp-json/credzu/v1

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Sandbox Environment

https://sandbox.credzu.com/wp-json/credzu/v1
Use the sandbox environment for testing. No real transactions are processed and events are simulated.

Authentication

Learn how to authenticate API requests using your partner API key

Create Lead

Send declined borrowers to Credzu automatically

Webhooks

Receive real-time status updates as borrowers progress

Error Handling

Understand error codes and how to handle them

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How It Works

1

Partner sends declined borrower

Use POST /create-lead to automatically refer a borrower when their loan is declined due to credit issues.
2

Borrower enters Credzu workflow

Credzu onboards the borrower, performs credit scans, and connects them with credit repair providers.
3

Partner receives status updates

Webhooks notify you at every milestone: account created, contract signed, escrow funded, score updates.
4

Borrower becomes mortgage-ready

When credit criteria are met, you receive the mortgage_ready event and can re-engage the borrower.