php credit reporting API

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Hello,
 
Anyone successfully implemented an online real-time credit reporting
scenario for consumer lending?  We need to pull credit in the united states
for consumers before lending them money for school and I would like to use
PHP to connect to a credit vendor.  I have been surprised at how little I
can find on google and all the major vendors (equifax, trans union,
experian) only talk in generalities on their website and seem to be geared
only for desktop software solutions.
 
I need to pull a score and based on that, provide a decision and offer.  Has
anyone got this working, and would you recommend a vendor?
 
Thanks
Dan
 

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