Credit Bureau Consumer(Individual)-Advance
Get advance credit details of a user
With this endpoint, businesses can gain a deeper understanding of their customers' financial behavior and make informed decisions about extending credit. You can get a comprehensive view of each customer's account, so you can better assess their creditworthiness and mitigate risk.
Even more, businesses will receive a wealth of information about each customer, including their repayment history score, number of accounts, and total outstanding debts, while gaining access to valuable data such as the email address associated with each account, and ultimately reducing the risk of fraudulent activity.
To use this endpoint, you need to provide these customer details- bank details, name, date of birth, and reference.
TEST DATA
mode: ID
number: 22222222222
customer_name: Test Name
dob: 1990-08-01
customer_reference: 327395393
POST
{{URL}}/identitypass/verification/credit_bureau/consumer/advance
Request Header
| Key | Description |
|---|---|
| app-id | Your App ID |
| x-api-key | Your Secret Key |
Request Body
| Key | Description |
|---|---|
| mode | either ID or BIO |
| number | if mode is ID(Should be a BVN) |
| dob | if mode is BIO(Date of Birth) |
| customer_name | Your customer's name |
| customer_reference | Unique customer reference |
Sample Response For BIO
{
"status": true,
"detail": "Verification Successful",
"response_code": "00",
"data": [
{
"Scoring": [
{
"ConsumerID": "600903",
"RepaymentHistoryScore": "192/192",
"TotalAmountOwedScore": "165/165",
"TypesOfCreditScore": "55/55",
"LengthOfCreditHistoryScore": "83/83",
"NoOfAcctScore": "11/55",
"TotalConsumerScore": "806",
"Description": "LOW RISK",
"ScoreDate": "07/01/2004"
}
]
},
{
"PersonalDetailsSummary": [
{
"Header": "PERSONAL DETAILS SUMMARY: KBE JUKEMI",
"ConsumerID": 6000043,
"ReferenceNo": null,
"Nationality": "Nigeria",
"NationalIDNo": "",
"PassportNo": "A00004101",
"DriversLicenseNo": null,
"BankVerificationNo": "21111111111",
"PencomIDNo": "",
"otheridNo": "",
"BirthDate": "01/09/1900",
"Dependants": 0,
"Gender": "Female",
"MaritalStatus": null,
"ResidentialAddress1": "RERKI ABUJATERS",
"ResidentialAddress2": "RERKI ABUJA",
"ResidentialAddress3": "",
"ResidentialAddress4": " Nigeria",
"PostalAddress1": null,
"PostalAddress2": null,
"PostalAddress3": null,
"PostalAddress4": null,
"HomeTelephoneNo": "070300000012",
"WorkTelephoneNo": null,
"CellularNo": "",
"EmailAddress": "",
"EmployerDetail": null,
"PropertyOwnedType": "",
"Surname": "EBE",
"FirstName": "DITH",
"OtherNames": "OYII"
}
]
},
{
"DeliquencyInformation": []
},
{
"CreditAccountSummary": [
{
"TotalMonthlyInstalment": "0.00",
"TotalOutstandingdebt": "0.00",
"TotalAccountarrear": "0",
"Amountarrear": "0.00",
"TotalAccounts": "1",
"TotalAccounts1": "0",
"TotalaccountinGodcondition": "1",
"TotalaccountinGoodcondition": "1",
"TotalNumberofJudgement": "0",
"TotalJudgementAmount": "0",
"LastJudgementDate": "-",
"TotalNumberofDishonoured": "0",
"TotalDishonouredAmount": "0.00",
"LastBouncedChequesDate": null,
"TotalMonthlyInstalment1": "0.00",
"TotalOutstandingdebt1": "0.00",
"TotalAccountarrear1": "0",
"Amountarrear1": "0.00",
"TotalaccountinGodcondition1": "0",
"TotalaccountinBadcondition": "0",
"TotalNumberofJudgement1": "0",
"TotalJudgementAmount1": "0",
"LastJudgementDate1": "-",
"TotalNumberofDishonoured1": "0",
"TotalDishonouredAmount1": "0.00",
"LastBouncedChequesDate1": null,
"Rating": "0"
}
]
},
{
"CreditAccountRating": [
{
"NoOfHomeLoanAccountsGood": 0,
"NoOfHomeLoanAccountsBad": 0,
"NoOfAutoLoanccountsGood": 0,
"NoOfAutoLoanAccountsBad": 0,
"NoOfStudyLoanAccountsGood": 0,
"NoOfStudyLoanAccountsBad": 0,
"NoOfPersonalLoanAccountsGood": 0,
"NoOfPersonalLoanAccountsBad": 0,
"NoOfCreditCardAccountsGood": 0,
"NoOfCreditCardAccountsBad": 0,
"NoOfRetailAccountsGood": 0,
"NoOfRetailAccountsBad": 0,
"NoOfJointLoanAccountsGood": 0,
"NoOfJointLoanAccountsBad": 0,
"NoOfTelecomAccountsGood": 0,
"NoOfTelecomAccountsBad": 0,
"NoOfOtherAccountsGood": 1,
"NoOfOtherAccountsBad": 0
}
]
},
{
"CreditAgreementSummary": [
{
"DateAccountOpened": "01/01/1900",
"SubscriberName": "Joe Bank Plc",
"AccountNo": "0000000021",
"SubAccountNo": "",
"IndicatorDescription": "Personal Overdraft",
"OpeningBalanceAmt": "0.00",
"Currency": "NGN",
"CurrentBalanceDebitInd": null,
"CurrentBalanceAmt": "0.00",
"InstalmentAmount": "0.00",
"AmountOverdue": "0.00",
"ClosedDate": "01/01/1900",
"LoanDuration": 0,
"RepaymentFrequency": "Not Available",
"LastUpdatedDate": "12/06/2000",
"PerformanceStatus": "Performing",
"AccountStatus": "Open"
}
]
},
{
"AccountMonthlyPaymentHeader": [
{
"TableName": "Consumer24MonthlyPaymentHeader",
"DisplayText": "Consumer 24 Monthly Payment Header",
"Company": "Company",
"MH24": "2022\nAUG",
"MH23": "2022\nSEP",
"MH22": "2022\nOCT",
"MH21": "2022\nNOV",
"MH20": "2022\nDEC",
"MH19": "2023\nJAN",
"MH18": "2023\nFEB",
"MH17": "2023\nMAR",
"MH16": "2023\nAPR",
"MH15": "2023\nMAY",
"MH14": "2023\nJUN",
"MH13": "2023\nJUL",
"MH12": "2023\nAUG",
"MH11": "2023\nSEP",
"MH10": "2023\nOCT",
"MH09": "2023\nNOV",
"MH08": "2023\nDEC",
"MH07": "2024\nJAN",
"MH06": "2024\nFEB",
"MH05": "2024\nMAR",
"MH04": "2024\nAPR",
"MH03": "2024\nMAY",
"MH02": "2024\nJUN",
"MH01": "2024\nJUL"
}
]
},
{
"AccountMonthlyPaymentHistory": [
{
"Header": "Details of Credit Agreement with \"Jaiz Bank Plc\" for Account Number: 0000087601",
"TableName": "Consumer24MonthlyPayment",
"DisplayText": "Consumer 24 Monthly Payment",
"DateAccountOpened": "01/01/1900",
"SubscriberName": "Jaiz Bank Plc",
"AccountNo": "0000087601",
"SubAccountNo": "",
"Currency": "NGN",
"CurrentBalanceDebitInd": null,
"IndicatorDescription": "Personal Overdraft",
"OpeningBalanceAmt": "0.00",
"CurrentBalanceAmt": "0.00",
"MonthlyInstalmentAmt": "0.00",
"AmountOverdue": "0.00",
"ClosedDate": "01/01/1900",
"LastUpdatedDate": "12/06/2022",
"LastPaymentDate": null,
"PerformanceStatus": "Performing",
"SubscriberTypeInd": "C",
"AccountNote": "",
"LoanDuration": "Not Available",
"RepaymentFrequencyCode": "Not Available",
"AccountStatus": "Open",
"M24": "#",
"M23": "#",
"M22": "#",
"M21": "#",
"M20": "#",
"M19": "#",
"M18": "#",
"M17": "#",
"M16": "#",
"M15": "#",
"M14": "#",
"M13": "#",
"M12": "#",
"M11": "#",
"M10": "#",
"M09": "#",
"M08": "#",
"M07": "#",
"M06": "#",
"M05": "#",
"M04": "#",
"M03": "#",
"M02": "#",
"M01": "#"
}
]
},
{
"GuarantorCount": [
{
"GuarantorsSecured": 0,
"Accounts": 0
}
]
},
{
"IdentificationHistory": [
{
"UpDateDate": "",
"UpDateOnDate": "",
"IdentificationNumber": "",
"IdentificationType": ""
}
]
},
{
"AddressHistory": [
{
"UpDateDate": "12/02/2020",
"UpDateOnDate": "12/02/2020",
"Address1": "REGARKI ABUJATERS",
"Address2": "REGARKI ABUJA",
"Address3": null,
"Address4": null,
"AddressTypeInd": "Residential"
}
]
},
{
"GuarantorDetails": [
{
"GuarantorFirstName": "",
"GuarantorOtherName": "",
"GuarantorNationalIDNo": "",
"GuarantorPassport": "",
"GuarantorDriverLicenceNo": "",
"GuarantorPENCOMIDNo": "",
"GuarantorOtherID": "",
"GuarantorGender": "",
"GuarantorDateOfBirth": "",
"GuarantorAddress1": "",
"GuarantorAddress2": "",
"GuarantorAddress3": "",
"GuarantorHomeTelephone": "",
"GuarantorworkTelephone": "",
"GuarantorMobileTelephone": ""
}
]
},
{
"EmploymentHistory": [
{
"UpDateDate": "",
"UpDateOnDate": "",
"EmployerDetail": "",
"Occupation": ""
}
]
},
{
"TelephoneHistory": [
{
"HomeNoUpdatedonDate": "12/02/2020",
"HomeTelephoneNumber": "07030000092",
"WorkNoUpdatedonDate": null,
"WorkTelephoneNumber": null,
"MobileNoUpdatedonDate": null,
"MobileTelephoneNumber": null
}
]
},
{
"EnquiryDetails": [
{
"SubscriberEnquiryResultID": null,
"ProductID": null,
"MatchingRate": null,
"SubscriberEnquiryEngineID": null
}
]
}
],
"verification": {
"status": "VERIFIED",
"reference": "e1fca4-e73d-45d-9f98-434e7e470"
},
"widget_info": {},
"session": {},
"endpoint_name": "Consumer Credit Bureau (Advance)"
}
Response Body for ID
{
"status": true,
"detail": "Verification Successful",
"response_code": "00",
"data": [
{
"Scoring": [
{
"ConsumerID": "9924172",
"RepaymentHistoryScore": "184/192",
"TotalAmountOwedScore": "165/165",
"TypesOfCreditScore": "40/55",
"LengthOfCreditHistoryScore": "21/83",
"NoOfAcctScore": "33/55",
"TotalConsumerScore": "743",
"Description": "LOW RISK",
"ScoreDate": "07/25/2024"
}
]
},
{
"PersonalDetailsSummary": [
{
"Header": "PERSONAL DETAILS SUMMARY:Rita",
"ConsumerID": 900072,
"ReferenceNo": null,
"Nationality": "Nigeria",
"NationalIDNo": "",
"PassportNo": null,
"DriversLicenseNo": null,
"BankVerificationNo": "222111111111",
"PencomIDNo": "",
"otheridNo": "",
"BirthDate": "05/11/1900",
"Dependants": 0,
"Gender": "Female",
"MaritalStatus": null,
"ResidentialAddress1": "REGISTRY DEKING HOTEL AANYIGBA ANYI",
"ResidentialAddress2": "",
"ResidentialAddress3": "",
"ResidentialAddress4": "Kogi Nigeria",
"PostalAddress1": null,
"PostalAddress2": null,
"PostalAddress3": null,
"PostalAddress4": null,
"HomeTelephoneNo": "08000005543",
"WorkTelephoneNo": "08000005543",
"CellularNo": "08000005433",
"EmailAddress": "",
"EmployerDetail": "Kogi University Anyi",
"PropertyOwnedType": "",
"Surname": "UDO",
"FirstName": "ROSELINE",
"OtherNames": ""
}
]
},
{
"DeliquencyInformation": []
},
{
"CreditAccountSummary": [
{
"TotalMonthlyInstalment": "110,516.00",
"TotalOutstandingdebt": "771.00",
"TotalAccountarrear": "0",
"Amountarrear": "0.00",
"TotalAccounts": "3",
"TotalAccounts1": "0",
"TotalaccountinGodcondition": "3",
"TotalaccountinGoodcondition": "3",
"TotalNumberofJudgement": "0",
"TotalJudgementAmount": "0",
"LastJudgementDate": "-",
"TotalNumberofDishonoured": "0",
"TotalDishonouredAmount": "0.00",
"LastBouncedChequesDate": null,
"TotalMonthlyInstalment1": "0.00",
"TotalOutstandingdebt1": "0.00",
"TotalAccountarrear1": "0",
"Amountarrear1": "0.00",
"TotalaccountinGodcondition1": "0",
"TotalaccountinBadcondition": "0",
"TotalNumberofJudgement1": "0",
"TotalJudgementAmount1": "0",
"LastJudgementDate1": "-",
"TotalNumberofDishonoured1": "0",
"TotalDishonouredAmount1": "0.00",
"LastBouncedChequesDate1": null,
"Rating": "0"
}
]
},
{
"CreditAccountRating": [
{
"NoOfHomeLoanAccountsGood": 0,
"NoOfHomeLoanAccountsBad": 0,
"NoOfAutoLoanccountsGood": 0,
"NoOfAutoLoanAccountsBad": 0,
"NoOfStudyLoanAccountsGood": 0,
"NoOfStudyLoanAccountsBad": 0,
"NoOfPersonalLoanAccountsGood": 0,
"NoOfPersonalLoanAccountsBad": 0,
"NoOfCreditCardAccountsGood": 0,
"NoOfCreditCardAccountsBad": 0,
"NoOfRetailAccountsGood": 2,
"NoOfRetailAccountsBad": 0,
"NoOfJointLoanAccountsGood": 0,
"NoOfJointLoanAccountsBad": 0,
"NoOfTelecomAccountsGood": 0,
"NoOfTelecomAccountsBad": 0,
"NoOfOtherAccountsGood": 1,
"NoOfOtherAccountsBad": 0
}
]
},
{
"CreditAgreementSummary": [
{
"DateAccountOpened": "01/05/20008",
"SubscriberName": "nith Bank Plc Lagos",
"AccountNo": "100000006",
"SubAccountNo": "",
"IndicatorDescription": "Commercial Overdraft",
"OpeningBalanceAmt": "0.00",
"Currency": "NGN",
"CurrentBalanceDebitInd": null,
"CurrentBalanceAmt": "771.00",
"InstalmentAmount": null,
"AmountOverdue": null,
"ClosedDate": "31/05/2018",
"LoanDuration": 30,
"RepaymentFrequency": "Not Available",
"LastUpdatedDate": "26/06/2018",
"PerformanceStatus": "Performing",
"AccountStatus": "Open"
},
{
"DateAccountOpened": "09/08/2023",
"SubscriberName": "Microfinance Bank Limited",
"AccountNo": "11111402",
"SubAccountNo": "",
"IndicatorDescription": "Personal fixed term loan",
"OpeningBalanceAmt": "40,000.00",
"Currency": "NGN",
"CurrentBalanceDebitInd": null,
"CurrentBalanceAmt": "0.00",
"InstalmentAmount": "50,800.00",
"AmountOverdue": "0.00",
"ClosedDate": "08/09/2023",
"LoanDuration": 30,
"RepaymentFrequency": "Mo",
"LastUpdatedDate": "01/02/2024",
"PerformanceStatus": "Performing",
"AccountStatus": "Closed"
},
{
"DateAccountOpened": "15/10/2023",
"SubscriberName": "Microfinance Bank Limited",
"AccountNo": "1188651",
"SubAccountNo": "",
"IndicatorDescription": "Personal fixed term loan",
"OpeningBalanceAmt": "120,000.00",
"Currency": "NGN",
"CurrentBalanceDebitInd": null,
"CurrentBalanceAmt": "0.00",
"InstalmentAmount": "59,716.00",
"AmountOverdue": "0.00",
"ClosedDate": "13/01/2024",
"LoanDuration": 90,
"RepaymentFrequency": "Mo",
"LastUpdatedDate": "20/06/2024",
"PerformanceStatus": "Performing",
"AccountStatus": "Closed"
}
]
},
{
"AccountMonthlyPaymentHeader": [
{
"TableName": "Consumer24MonthlyPaymentHeader",
"DisplayText": "Consumer 24 Monthly Payment Header",
"Company": "Company",
"MH24": "2022\nAUG",
"MH23": "2022\nSEP",
"MH22": "2022\nOCT",
"MH21": "2022\nNOV",
"MH20": "2022\nDEC",
"MH19": "2023\nJAN",
"MH18": "2023\nFEB",
"MH17": "2023\nMAR",
"MH16": "2023\nAPR",
"MH15": "2023\nMAY",
"MH14": "2023\nJUN",
"MH13": "2023\nJUL",
"MH12": "2023\nAUG",
"MH11": "2023\nSEP",
"MH10": "2023\nOCT",
"MH09": "2023\nNOV",
"MH08": "2023\nDEC",
"MH07": "2024\nJAN",
"MH06": "2024\nFEB",
"MH05": "2024\nMAR",
"MH04": "2024\nAPR",
"MH03": "2024\nMAY",
"MH02": "2024\nJUN",
"MH01": "2024\nJUL"
}
]
},
{
"AccountMonthlyPaymentHistory": [
{
"Header": "Details of Credit Agreement with \"Microfinance Bank Limited\" for Account Number: 1111112",
"TableName": "Consumer24MonthlyPayment",
"DisplayText": "Consumer 24 Monthly Payment",
"DateAccountOpened": "09/08/2023",
"SubscriberName": "Microfinance Bank Limited",
"AccountNo": "11111111",
"SubAccountNo": "",
"Currency": "NGN",
"CurrentBalanceDebitInd": null,
"IndicatorDescription": "Personal fixed term loan",
"OpeningBalanceAmt": "40,000.00",
"CurrentBalanceAmt": "0.00",
"MonthlyInstalmentAmt": "50,800.00",
"AmountOverdue": "0.00",
"ClosedDate": "08/09/2023",
"LastUpdatedDate": "01/02/2024",
"LastPaymentDate": "07/09/2023",
"PerformanceStatus": "Performing",
"SubscriberTypeInd": "M",
"AccountNote": "",
"LoanDuration": "30 Day(s)",
"RepaymentFrequencyCode": "Mo",
"AccountStatus": "Closed",
"M24": "#",
"M23": "#",
"M22": "#",
"M21": "#",
"M20": "#",
"M19": "#",
"M18": "#",
"M17": "#",
"M16": "#",
"M15": "#",
"M14": "#",
"M13": "#",
"M12": "0",
"M11": "0",
"M10": "#",
"M09": "0",
"M08": "0",
"M07": "#",
"M06": "#",
"M05": "#",
"M04": "#",
"M03": "#",
"M02": "#",
"M01": "#"
},
{
"Header": "Details of Credit Agreement with \" Microfinance Bank Limited\" for Account Number: 11810731",
"TableName": "Consumer24MonthlyPayment",
"DisplayText": "Consumer 24 Monthly Payment",
"DateAccountOpened": "15/10/2023",
"SubscriberName": "Microfinance Bank Limited",
"AccountNo": "110101011",
"SubAccountNo": "",
"Currency": "NGN",
"CurrentBalanceDebitInd": null,
"IndicatorDescription": "Personal fixed term loan",
"OpeningBalanceAmt": "120,000.00",
"CurrentBalanceAmt": "0.00",
"MonthlyInstalmentAmt": "59,716.00",
"AmountOverdue": "0.00",
"ClosedDate": "13/01/2024",
"LastUpdatedDate": "20/06/2024",
"LastPaymentDate": "05/03/2024",
"PerformanceStatus": "Performing",
"SubscriberTypeInd": "M",
"AccountNote": "",
"LoanDuration": "90 Day(s)",
"RepaymentFrequencyCode": "Mo",
"AccountStatus": "Closed",
"M24": "#",
"M23": "#",
"M22": "#",
"M21": "#",
"M20": "#",
"M19": "#",
"M18": "#",
"M17": "#",
"M16": "#",
"M15": "#",
"M14": "#",
"M13": "#",
"M12": "#",
"M11": "#",
"M10": "#",
"M09": "#",
"M08": "19",
"M07": "49",
"M06": "49",
"M05": "0",
"M04": "0",
"M03": "0",
"M02": "#",
"M01": "#"
},
{
"Header": "Details of Credit Agreement with \"lith Bank Plc Lagos\" for Account Number: 1000000000",
"TableName": "Consumer24MonthlyPayment",
"DisplayText": "Consumer 24 Monthly Payment",
"DateAccountOpened": "01/05/2018",
"SubscriberName": "Durenith Bank Plc Lagos",
"AccountNo": "1005418946",
"SubAccountNo": "",
"Currency": "NGN",
"CurrentBalanceDebitInd": null,
"IndicatorDescription": "Commercial Overdraft",
"OpeningBalanceAmt": "0.00",
"CurrentBalanceAmt": "771.00",
"MonthlyInstalmentAmt": null,
"AmountOverdue": null,
"ClosedDate": "31/05/2018",
"LastUpdatedDate": "21/01/2010",
"LastPaymentDate": "21/01/2010",
"PerformanceStatus": "Performing",
"SubscriberTypeInd": "C",
"AccountNote": "",
"LoanDuration": "30 Day(s)",
"RepaymentFrequencyCode": "Not Available",
"AccountStatus": "Open",
"M24": "#",
"M23": "#",
"M22": "#",
"M21": "#",
"M20": "#",
"M19": "#",
"M18": "#",
"M17": "#",
"M16": "#",
"M15": "#",
"M14": "#",
"M13": "#",
"M12": "#",
"M11": "#",
"M10": "#",
"M09": "#",
"M08": "#",
"M07": "#",
"M06": "#",
"M05": "#",
"M04": "#",
"M03": "#",
"M02": "#",
"M01": "#"
}
]
},
{
"GuarantorCount": [
{
"GuarantorsSecured": 0,
"Accounts": 0
}
]
},
{
"IdentificationHistory": [
{
"UpDateDate": "",
"UpDateOnDate": "",
"IdentificationNumber": "",
"IdentificationType": ""
}
]
},
{
"AddressHistory": [
{
"UpDateDate": "27/07/2000,
"UpDateOnDate": "27/07/2000",
"Address1": "KOGI UNIVERSITY ANYI",
"Address2": "Lokoja",
"Address3": "Lokoja",
"Address4": null,
"AddressTypeInd": "Residential"
},
{
"UpDateDate": "22/08/2000",
"UpDateOnDate": "22/08/2000",
"Address1": "KOGI STATE UNIVERSITY ANYIGBA",
"Address2": null,
"Address3": "Lokoja",
"Address4": null,
"AddressTypeInd": "Residential"
},
{
"UpDateDate": "20/09/2020",
"UpDateOnDate": "20/09/2020",
"Address1": " ABUJAANYIGBA ANYIGBA",
"Address2": null,
"Address3": null,
"Address4": "Kogi",
"AddressTypeInd": "Residential"
},
{
"UpDateDate": "18/04/2018",
"UpDateOnDate": "18/04/2018",
"Address1": "KOGI UNIVERSITY ANYI",
"Address2": null,
"Address3": null,
"Address4": null,
"AddressTypeInd": "Residential"
},
{
"UpDateDate": "04/10/2000",
"UpDateOnDate": "04/10/2000",
"Address1": "KOGI UNIVERSITY ANYI",
"Address2": null,
"Address3": "Lokoja",
"Address4": null,
"AddressTypeInd": "Residential"
}
]
},
{
"GuarantorDetails": [
{
"GuarantorFirstName": "",
"GuarantorOtherName": "",
"GuarantorNationalIDNo": "",
"GuarantorPassport": "",
"GuarantorDriverLicenceNo": "",
"GuarantorPENCOMIDNo": "",
"GuarantorOtherID": "",
"GuarantorGender": "",
"GuarantorDateOfBirth": "",
"GuarantorAddress1": "",
"GuarantorAddress2": "",
"GuarantorAddress3": "",
"GuarantorHomeTelephone": "",
"GuarantorworkTelephone": "",
"GuarantorMobileTelephone": ""
}
]
},
{
"EmploymentHistory": [
{
"UpDateDate": "20/06/2000",
"UpDateOnDate": "20/06/2000",
"EmployerDetail": "Kogi University Anyi",
"Occupation": "Professionals"
}
]
},
{
"TelephoneHistory": [
{
"HomeNoUpdatedonDate": "26/06/2000",
"HomeTelephoneNumber": "08030000003",
"WorkNoUpdatedonDate": "26/06/2000",
"WorkTelephoneNumber": "08030000003",
"MobileNoUpdatedonDate": "20/06/2024",
"MobileTelephoneNumber": "08030000003"
}
]
},
{
"EnquiryDetails": [
{
"SubscriberEnquiryResultID": null,
"ProductID": null,
"MatchingRate": null,
"SubscriberEnquiryEngineID": null
}
]
}
],
"verification": {
"status": "VERIFIED",
"reference": "7f25e7-9cc0-4fc3-9a76-6e075574"
},
"widget_info": {},
"session": {},
"endpoint_name": "Consumer Credit Bureau (Advance)"
}
Response Description
| Response | Description |
|---|---|
| SubjectList | This is an array of objects that represent the results of the CAC search. Each object contains information about a consumer's details. |
| ConsumerID | The unique identifier for the consumer. |
| Header | The header of the consumer details. |
| ReferenceNo | A reference number for the consumer details. |
| PersonalDetailsSummary | This is an object that represents the personal details summary for a consumer. It contains various personal details of the consumer. |
| Nationality | The nationality of the consumer. |
| NationalIDNo | The national ID number of the consumer. |
| PassportNo | The passport number of the consumer. |
| DriversLicenseNo | The driver's license number of the consumer. |
| BankVerificationNo | The bank verification number of the consumer. |
| PencomIDNo | The Pencom ID number of the consumer. |
| OtheridNo | Any other ID number of the consumer. |
| BirthDate | The date of birth of the consumer. |
| Dependants | The number of dependants of the consumer. |
| Gender | The gender of the consumer. |
| MaritalStatus | The marital status of the consumer. |
| ResidentialAddress1 | The first line of the consumer's residential address. |
| ResidentialAddress2 | The second line of the consumer's residential address. |
| ResidentialAddress3 | The third line of the consumer's residential address. |
| ResidentialAddress4 | The fourth line of the consumer's residential address. |
| PostalAddress1 | The first line of the consumer's postal address. |
| PostalAddress2 | The second line of the consumer's postal address. |
| PostalAddress3 | The third line of the consumer's postal address. |
| PostalAddress4 | The fourth line of the consumer's postal address. |
| HomeTelephoneNo | The consumer's home telephone number. |
| WorkTelephoneNo | The consumer's work telephone number. |
| CellularNo | The consumer's cellular number. |
| EmailAddress | The consumer's email address. |
| EmployerDetail | The employer details of the consumer. |
| PropertyOwnedType | The type of property that the consumer owns. |
| Surname | The surname of the consumer. |
| FirstName | The first name of the consumer. |
| OtherNames | Any other names of the consumer. |
| CreditAccountSummary | This is an array of objects that represent the credit account summary for the consumer. Each object contains information about the consumer's credit accounts. |
| TotalMonthlyInstalment | The total monthly installment amount for all of the consumer's accounts. |
| TotalOutstandingdebt | The total outstanding debt for all of the consumer'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 consumer has. |
| TotalAccounts1 | The total number of accounts that are in good standing. |
| TotalaccountinGoodcondition | The total number of accounts that are in good condition. |
| TotalNumberofJudgement | The total number of judgments that have been issued against the consumer. |
| TotalJudgementAmount | The total amount of money that is owed on the judgments that have been issued against the consumer. |
| LastJudgementDate | The date of the most recent judgment that was issued against the consumer. |
| TotalNumberofDishonoured | The total number of times that the consumer 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 consumer's credit rating. |
| AccountRating | This is an array that contains multiple objects, one for each type of account that the consumer has. Each object contains information about the number of accounts the consumer has in good and bad standing for different account types. |
| NoOfHomeLoanAccountsGood | The number of home loan accounts that the consumer has in good standing. |
| NoOfHomeLoanAccountsBad | The number of home loan accounts that the consumer has in bad standing. |
| NoOfAutoLoanccountsGood | The number of auto loan accounts that the consumer has in good standing. |
| NoOfAutoLoanAccountsBad | The number of auto loan accounts that the consumer has in bad standing. |
| NoOfStudyLoanAccountsGood | The number of study loan accounts that the consumer has in good standing. |
| NoOfStudyLoanAccountsBad | The number of study loan accounts that the consumer has in bad standing. |
| NoOfPersonalLoanAccountsGood | The number of personal loan accounts that the consumer has in good standing. |
| NoOfPersonalLoanAccountsBad | The number of personal loan accounts that the consumer has in bad standing. |
| NoOfCreditCardAccountsGood | The number of credit card accounts that the consumer has in good standing. |
| NoOfCreditCardAccountsBad | The number of credit card accounts that the consumer has in bad standing. |
| NoOfRetailAccountsGood | The number of retail accounts that the consumer has in good standing. |
| NoOfRetailAccountsBad | The number of retail accounts that the consumer has in bad standing. |
| NoOfJointLoanAccountsGood | The number of joint loan accounts that the consumer has in good standing. |
| NoOfJointLoanAccountsBad | The number of joint loan accounts that the consumer has in bad standing. |
| NoOfTelecomAccountsGood | The number of telecom accounts that the consumer has in good standing. |
| NoOfTelecomAccountsBad | The number of telecom accounts that the consumer has in bad standing. |
| NoOfOtherAccountsGood | The number of other accounts that the consumer has in good standing. |
| NoOfOtherAccountsBad | The number of other accounts that the consumer has in bad standing. |
| EnquiryDetails | This is an array of multiple objects, one for each enquiry that the consumer has made. Each object contains information about a specific enquiry. |
| 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.pecific enquiry. |
Updated 4 months ago