Experian API Leaks Most Americans’ Credit Scores

Researchers fear wider exposure, amidst a tepid response from Experian.

A researcher is claiming that the credit scores of almost every American were exposed through an API tool used by the Experian credit bureau, that he said was left open on a lender site without even basic security protections.

Experian, for its part, refuted concerns from the security community that the issue could be systemic.

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The tool, called the Experian Connect API, allows lenders to automate FICO-score queries. Bill Demirkapi, a sophomore at Rochester Institute of Technology, was shopping for student loans when he found a lender that would check his eligibility with just a name, address and date of birth, according to a published report.

Demirkapi was surprised and decided to take a peek at the code, which showed that an connection to an Experian API was behind the tool, he said.

“No one should be able to perform an Experian credit check with only publicly available information,” Demirkapi told Krebs On Security, which was the first to break the story of the leak. “Experian should mandate non-public information for promotional inquiries, otherwise an attacker who found a single vulnerability in a vendor could easily abuse Experian’s system.”

Demirkapi said he was even able to build a command-line tool that let him automate lookups, even after entering all zeros in the fields for date of birth, which he named, “Bill’s Cool Credit Score Lookup Utility.”

In addition to raw credit scores, Krebs said that he was able to use the API connection to get “risk factors” from Experian that explained potential flaws in a person’s credit history. He ran a credit check for his friend “Bill” which returned the explanation for his mid-700s credit score that he had “Too many consumer-finance company accounts.”


Experian’s Leaky API Systemic?

Experian said it fixed the unprotected endpoint instance, but some researchers are concerned that other exposed Experian APIs might be out there, sitting unprotected, just waiting to be exploited by cybercriminals. There is a huge precedent for bad actors going after such data, in the 2017 breach of Equifax. In that instance, Chinese hackers stole financial details of 143 million Americans from the Experian rival.

However, an Experian spokesperson pushed back on the notion that there could be other insecure interfaces out there.

“We can confirm a single, isolated instance involving a client website,” she told Threatpost. “This situation did not implicate or compromise any of Experian’s systems, including our API. We were able to alert the client and resolve the matter.”

She added, “To reiterate, while this did not compromise any of Experian’s systems, we take this matter very seriously. In fact, we continually work with our clients to review their processes and ensure data security best practices.”

When Threatpost reached out for additional clarification, she responded that, “To be clear, this was isolated to a single client and a vulnerability with the client’s website.” She added, “We can confirm the security of our APIs. Upon identifying the source of the situation we shut down access to the client.  We are working with our clients to ensure security best practices, and continuing to vet all our partners and mandate robust security measures and controls to secure our data.”

Regardless, Demirkapi said wouldn’t give the name of the lender to protect what he characterized as the thousands of other APIs that are potentially still out there unsecured.

“They found one endpoint I was using and sent it into maintenance mode,” Demirkapi told Krebs. “But this doesn’t address the systemic issue at all.”

It should be noted that colossal security failures aren’t unknown for Experian, which in 2015 exposed 15 million T-Mobile customers’ data, including driver’s license and passport numbers.

Security Community Slams Experian

The security community isn’t holding back on its criticisms of Experian for the leaky API, which they said was concerning even if it was a single instance.

Saryu Nayyar, CEO at Gurucul was downright incredulous about the revelation.

“Shame on you Experian!” Nayyar said. “The credit-score data exposed as well as risk factors can be very successfully used to socially engineer money from people’s accounts. This data is personal and highly sensitive — just the sort of data cybercriminals use to gain credibility and sound convincing in their tactics. And all this due to an insecure API?”

Tom Garruba, CISO for Shared Assessments, chalked it up to shoddy app development, and he added his own withering assessment of Experian’s software.

“If this isn’t an argument for more and better DevSecOps, then nothing is,” Garruba said. “The root cause of this issue is poor testing of the application’s overall security controls. This could have been prevented if the application designers would have designed, as part of their application development process, secure code development and thorough testing at each phase of the development lifecycle.”

APIs: A Growing Attack Vector

Garruba added APIs are an obvious attack vector which should have been secured.

“Insecure APIs are one of the most common threat vectors used by bad actors to take advantage of poorly secured applications to get to data,” he added. “Such bad coding practices not only hurt everyone financially but can seriously erode the trust of the agencies that utilize the application and damage the reputation of the development firm.”

This should be a big, fat flashing warning to every other company out there to lock down their APIs yesterday, if not sooner, researchers added.

“APIs are the lingua-franca for business integrations and a flaw in APIs is lethal,” Setu Kulkarni, vice president with White Hat Security told Threatpost. “If you are an organization looking to partner with other companies, API, web and mobile applications must be tested for security to avoid consequential loss due to security vulnerabilities on the part of a strategic partner.”

Indeed, Jack Mannino, CEO at nVisium, noted that this kind of issue isn’t unique to Experian.

“Many websites being launched for vaccine management and other public health services seem to struggle with the same issues,” he said. “Making systems accessible to the broader public using private data often has security tradeoffs and consequences. Stronger authentication and verification processes are required along with access controls and sane anti-automation defenses, in order to prevent these attacks.”

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