Smart Caching for Credit Bureaus: Save Query Costs Without Slowing Underwriting
If your underwriting system calls a live credit bureau on every decision you’re paying for it — and slowing decisions. This systems-level playbook shows TTLs by decision type, event-driven invalidation, multi-tier caches (Redis + cold store + CDN), stale-while-revalidate, and audit trails that meet FCRA needs.
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