php credit reporting API

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