credit bureau integrations with Marketo? | Community
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David_Eldred
David_Eldred
Level 2
May 3, 2018
Question

credit bureau integrations with Marketo?

  • May 3, 2018
  • 1 reply
  • 1903 views

Has anyone connected to the Credit Bureau like Experian, Equifax, Trans Union, to feed credit history data into Marketo for use in automating pre-approved offers of credit?

Does Marketo have any integration partnerships with any of the credit bureaus?

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1 reply

SanfordWhiteman
SanfordWhiteman
Level 10
May 3, 2018

There is no technical barrier to importing such data, but there is almost surely a legal barrier.

Marketo is not PCI compliant, and while credit payment info and credit history are not a 100% overlap, the latter can be even more sensitive.

There may additionally be a contractual barrier with the credit bureau that prevents you at that level as well.

Talk to your lawyer, but aside from medical history, I can't think of data I would be less comfortable storing in Marketo.

David_Eldred
David_EldredAuthor
Level 2
May 3, 2018

Yes, I agree: storing such information online is fraught with issues. But when connected, sensitive info isn't what is passed.

In banking, credit history is used to identify who may qualify for a particular loan. So it's really just a filter at the credit bureau itself and the only thing passed to Marketo is the name.

From a legal standpoint, also not an issue, as regulation already exists in how such data may be used.

The question isn't should it be done, the question is: does Marketo have an integration partner with any of the credit bureau to enable automating the filtering and passing of customer names who qualify for an offer?

I can't find any listed within the Launchpoint portal, but I have to admit, Launchpoint is not intuitive -- so I thought I'd ask the community.

SanfordWhiteman
SanfordWhiteman
Level 10
May 3, 2018

You originally said "feed credit history data into Marketo" though, and that's very different from "flipping a boolean value on Marketo lead(s) who pass external business logic that happens to be credit-related."

There's no prefab integration AFAIK but one could readily be built using the Marketo REST API and/or a webhook gateway.

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