Credit Bureau Commercial(Business)-Basic

Get basic credit details of a business

As the name suggests, our Business Credit Verification Endpoint for businesses allows companies to quickly verify the credit details of any business. With just the company's RC-registration number, you can access a wealth of information about their financial behavior, including their credit score, repayment history, and outstanding debts. This information is critical for making informed decisions about doing business with other companies and managing your own credit risk.

This endpoint also provides detailed insights into each business's financial profile. You can easily assess the creditworthiness of potential business partners, suppliers, and customers, ensuring that you are making informed decisions that protect your business and drive growth.

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TEST DATA
rc_number: 59002
customer_name: Test Name

📘
POST
{{URL}}/identitypass/verification/credit_bureau/commercial/basic

Request Header

Key	Description
app-id	Your App ID
x-api-key	Your Secret Key

Request Body

Key	Description
rc_number	Company RC number
customer_name	Your customer's name

Sample Response

{
    "status": true,
    "detail": "Credit Check successful",
    "response_code": "00",
    "data": [
        {
            "SubjectList": [
                {
                    "CommercialID": "853535",
                    "SearchOutput": "OCH TEST DUMMY 5,  - ",
                    "Reference": "853535"
                }
            ]
        },
        {
            "BusinessData": [
                {
                    "CommercialID": "853535",
                    "ReferenceNo": null,
                    "BusinessName": "OCH TEST DUMMY 5",
                    "TradingName": null,
                    "IndustrySector": "",
                    "PreviousBusinessName": "",
                    "BusinessRegistrationNumber": "",
                    "PreviousRegistrationNumber": null,
                    "NoOfDirectors": "0",
                    "BusinessType": "",
                    "DateOfIncorporation": "30/07/2018",
                    "DateOfCommencement": null,
                    "TaxIdentificationNumber": "NIL",
                    "VatNumber": null,
                    "Webaddress": null,
                    "CommercialEmail1": null,
                    "CommercialEmail2": null,
                    "CommercialEmail3": null,
                    "CommercialEmail4": null,
                    "CommercialAddress1": "UBA HOUSE 57 MARINA",
                    "CommercialAddress2": "",
                    "CommercialAddress3": "",
                    "CommercialAddress4": "",
                    "postalAddress1": "UBA HOUSE 57 MARINAADD",
                    "postalAddress2": "RESS L",
                    "postalAddress3": "",
                    "postalAddress4": "",
                    "Telephone1": null,
                    "Telephone2": null,
                    "Telephone3": null,
                    "Telephone4": null,
                    "Fax1": null,
                    "Fax2": null,
                    "Fax3": null,
                    "Fax4": null,
                    "UpdatedOn": "11/01/2022"
                }
            ]
        },
        {
            "DirectorInformation": [
                {
                    "Directorid": null,
                    "DateofBirth": null,
                    "firstName": null,
                    "othernames": null,
                    "surname": null,
                    "Identificationnumber": null,
                    "DirectorAppointmentdate": null
                }
            ]
        },
        {
            "FacilityPerformanceSummary": [
                {
                    "TotalMonthlyInstalment": "0.00",
                    "TotalOutstandingdebt": "0.00",
                    "TotalAccountarrear": "0.00",
                    "TotalAccounts": "0",
                    "TotalAccounts1": "0",
                    "Amountarrear": "0.00",
                    "TotalaccountinGoodcondition": "0",
                    "TotalaccountinBadcondition": "0",
                    "TotalNumberofJudgement": "0",
                    "TotalJudgementAmount": "0",
                    "LastJudgementDate": "",
                    "TotalNumberofDishonoured": "0",
                    "TotalDishonouredAmount": "0.00",
                    "LastBouncedChequesDate": null,
                    "TotalMonthlyInstalment1": "0.00",
                    "TotalOutstandingdebt1": "0.00",
                    "TotalAccountarrear1": "0.00",
                    "Amountarrear1": "0.00",
                    "TotalaccountinGoodcondition1": "0",
                    "TotalaccountinBadcondition1": "0",
                    "TotalNumberofJudgement1": "0",
                    "TotalJudgementAmount1": "0",
                    "LastJudgementDate1": "",
                    "TotalNumberofDishonoured1": "0",
                    "TotalDishonouredAmount1": "0.00",
                    "LastBouncedChequesDate1": null,
                    "TotalNumberofAccounts": "0",
                    "LastDishonouredChequeDate": "0",
                    "Rating": null
                }
            ]
        },
        {
            "HighestDelinquencyRating": [
                {
                    "HighestDelinquencyRating": "-1"
                }
            ]
        },
        {
            "EnquiryDetails": [
                {
                    "SubscriberEnquiryResultID": "24327778",
                    "ProductID": "46",
                    "MatchingRate": "13",
                    "SubscriberEnquiryEngineID": "60272880"
                }
            ]
        }
    ]
}

Response Description

Response	Description
status	Indicates that the request was successful.
detail	This field indicates the detail of the response.
response_code	Represents the response code.
data	It is a string that contains some encrypted or encoded data related to the verification.
SubjectList	This is an array of objects that represent the results of the CAC search.
CommercialID	The unique identifier for the commercial account.
SearchOutput	The full name and address of the commercial account.
Reference	A reference number for the commercial account search.
BusinessData	This is an object that represents the business details summary for a commercial account.
CommercialID	The unique identifier for the business.
ReferenceNo	A reference number for the business.
BusinessName	The name of the business.
TradingName	The trading name of the business.
IndustrySector	The industry sector that the business operates in.
PreviousBusinessName	The previous name of the business.
BusinessRegistrationNumber	The registration number for the business.
PreviousRegistrationNumber	The previous registration number for the business.
NoOfDirectors	The number of directors of the business.
BusinessType	The type of business, such as sole proprietorship, partnership, or corporation.
DateOfIncorporation	The date that the business was incorporated.
DateOfCommencement	The date that the business commenced operations.
TaxIdentificationNumber	The tax identification number for the business.
VatNumber	The VAT number for the business, if applicable.
Webaddress	The website address for the business.
CommercialEmail1	The primary email address for the business.
CommercialEmail2	The secondary email address for the business.
CommercialEmail3	The tertiary email address for the business.
CommercialEmail4	The quaternary email address for the business.
CommercialAddress1	The first line of the business address.
CommercialAddress2	The second line of the business address.
CommercialAddress3	The third line of the business address.
CommercialAddress4	The fourth line of the business address.
postalAddress1	The first line of the postal address for the business.
postalAddress2	The second line of the postal address for the business.
postalAddress3	The third line of the postal address for the business.
postalAddress4	The fourth line of the postal address for the business.
Telephone1	The primary telephone number for the business.
Telephone2	The secondary telephone number for the business.
Telephone3	The tertiary telephone number for the business.
Telephone4	The quaternary telephone number for the business.
Fax1	The primary fax number for the business.
Fax2	The secondary fax number for the business.
Fax3	The tertiary fax number for the business.
Fax4	The quaternary fax number for the business.
UpdatedOn	The date that the business data was last updated.
DirectorInformation	This is an array of objects that represent the director’s information, one for each director of the company.
Directorid	The unique identifier for the director. This is a number that is assigned to each director by the company.
DateofBirth	The director's date of birth. This is the date on which the director was born.
firstName	The director's first name. This is the director's given name.
othernames	The director's middle names. This is the director's middle names, if any.
surname	The director's last name. This is the director's family name.
Identificationnumber	The director's identification number. This is a number that is used to identify the director.
DirectorAppointmentdate	The date on which the director was appointed to the company. This is the date on which the director was hired by the company.
FacilityPerformanceSummary	This is an object that represents the factory performance summary for a commercial account.
TotalMonthlyInstalment	The total monthly installment amount for all of the facility's accounts.
TotalOutstandingdebt	The total outstanding debt for all of the facility's accounts.
TotalAccountarrear	The total number of accounts that are in arrears.
Amountarrear	The total amount of money that is owed on the accounts that are in arrears.
TotalAccounts	The total number of accounts that the facility has.
TotalAccounts1	The total number of accounts that are in good standing.
TotalaccountinGodcondition	The total number of accounts that are in good condition.
TotalaccountinGoodcondition	The total number of accounts that are in good condition.
TotalNumberofJudgement	The total number of judgments that have been issued against the facility.
TotalJudgementAmount	The total amount of money that is owed on the judgments that have been issued against the facility.
LastJudgementDate	The date of the most recent judgment that was issued against the facility.
TotalNumberofDishonoured	The total number of times that the facility has had a check or a payment bounced.
TotalDishonouredAmount	The total amount of money that has been lost due to bounced checks or payments.
LastBouncedChequesDate	The date of the most recent bounced check or payment.
Rating	The facility's credit rating.
HighestDelinquencyRating	The highest delinquency rating for any of the consumer's accounts. A delinquency rating is a number that represents the extent to which an account is in arrears.
EnquiryDetails	This is an array of multiple objects, one for each enquiry that the consumer has made.
SubscriberEnquiryResultID	The unique identifier for the enquiry result.
ProductID	The ID of the product that the consumer enquired about.
MatchingRate	The rate at which the consumer's credit profile matches the criteria for the product.
SubscriberEnquiryEngineID	The ID of the engine that processed the enquiry.

Updated 2 months ago

Credit Bureau Commercial(Business)-Basic

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TEST DATA

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Sample Response

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Sample Response

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