Credit Reference Bureau Advance
The Credit Reference Bureau Advanced endpoint provides an even more comprehensive and in-depth overview of a user's credit history compared to the standard Credit Reference Bureau (CRB) endpoint. This specialized feature is designed to cater to authorized users like banks, microfinance institutions, and other credit providers.
Through the utilization of the CRB Advance endpoint, lenders gain access to a wealth of detailed information about an individual's credit history and repayment behavior. This enhanced level of data empowers lenders to make highly informed lending decisions, thoroughly evaluate creditworthiness, and effectively manage their exposure to risk. This advanced functionality plays a critical role in fostering responsible lending practices, elevating transparency within the credit ecosystem, and contributing to the cultivation of a healthy and stable financial landscape in Kenya.
TEST DATA
action: user_search
national_id: 12345678
POST
{{URL}}/identitypass/verification/ke/crb/advance
Request Header
| Key | Description |
|---|---|
| x-api-key | Your Secret Key |
| app-id | Your app id |
Request Body
| Key | Description |
|---|---|
| national_id | National ID of the customer |
Sample Response
{
"status": true,
"detail": "Information retrieved successfully",
"response_code": "00",
"data": {
"dashboard": {
"cip": {
"score": 250.0,
"grade": "E3",
"trend": "NoChange"
},
"inquiries": {
"inquiriesForLast12Months": 1,
"subscribersInLast12Months": 1
},
"paymentsProfile": {
"pastDueAmountSum": {
"currency": "KES",
"localValue": 100089.32,
"value": 100089.32
},
"worstPastDueDaysCurrent": 15,
"worstPastDueDaysForLast12Months": 15,
"installmentAmountSum": {
"currency": "KES",
"localValue": 1189.34,
"value": 1189.34
},
"numberOfDifferentSubscribers": 6,
"openContracts": 8,
"closedContracts": 3
},
"collaterals": {
"numberOfCollaterals": 0,
"totalCollateralValue": {
"currency": "KES",
"localValue": 0.0,
"value": 0.0
},
"highestCollateralValue": {
"currency": "KES",
"localValue": 0.0,
"value": 0.0
},
"highestCollateralValueType": "NotSpecified"
},
"relations": {
"numberOfRelations": 0,
"numberOfInvolvements": 0
},
"disputes": {
"activeChequesDisputes": 0,
"activeContractDisputes": 0,
"activeSubjectDisputes": 0,
"activeCreditApplicationDisputes": 0,
"closedChequesDisputes": 0,
"closedContractDisputes": 0,
"closedSubjectDisputes": 0,
"closedCreditApplicationDisputes": 0,
"falseDisputes": 0,
"numberOfCourtRegisteredDisputes": 0
},
"ciq": {
"fraudAlerts": 0,
"fraudAlertsThirdParty": 0
},
"bouncedCheques": {
"numberOfCheques": 0
},
"creditApplication": {
"totalNumber": 0,
"numberOfOpen": 0
}
},
"individual": {
"artificialEntityRelationsList": [],
"general": {
"surname": "Ni",
"forename1": "Arew",
"forename2": "athi",
"fullName": "Andathi agi",
"classificationOfIndividual": "Individual",
"gender": "Male",
"dateOfBirth": "1982-07-21T00:00:00Z",
"countryOfBirth": "NotSpecified",
"maritalStatus": "Single",
"socialStatus": "Contract",
"residency": "NotSpecified",
"citizenship": "NotSpecified",
"employment": "NotSpecified",
"employerName": "Ts Scol",
"education": "NotSpecified",
"incomeAvailable": {
"currency": "KES",
"localValue": 1000.0,
"value": 1000.0
}
},
"identifications": {
"nationalID": "2200030",
"creditinfoId": 90004621
},
"mainAddress": {
"town": "Tssia",
"country": "KE",
"addressLine": "TSIA"
},
"secondaryAddress": {
"postalCode": "0100",
"country": "KE",
"addressLine": "P.O. BOX 00 BU"
},
"contact": {
"mobileTelephoneNumber": "254000312",
"homeTelephoneNumber": "25000002610",
"email": "[email protected]"
}
},
"subjectInfoHistory": {
"generalList": [
{
"item": "Names",
"value": "Arew jagi",
"validFrom": "2018-05-31T00:00:00Z",
"validTo": "2018-07-31T00:00:00Z",
"subscriber": "B01"
},
{
"item": "Names",
"value": "Arew athi agi",
"validFrom": "2021-08-31T00:00:00Z",
"validTo": "2022-11-17T00:00:00Z",
"subscriber": "B02"
},
{
"item": "DateOfBirth",
"value": "1/1/1900",
"validFrom": "2023-01-31T00:00:00Z",
"validTo": "2023-05-19T00:00:00Z",
"subscriber": "B02"
},
{
"item": "DateOfBirth",
"value": "1/1/1900",
"validFrom": "2018-03-25T00:00:00Z",
"validTo": "2018-04-30T00:00:00Z",
"subscriber": "B03"
},
{
"item": "DateOfBirth",
"value": "1/1/1970",
"validFrom": "2018-04-30T00:00:00Z",
"validTo": "2018-10-31T00:00:00Z",
"subscriber": "B03"
},
{
"item": "DateOfBirth",
"value": "1/1/1980",
"validFrom": "2018-10-31T00:00:00Z",
"validTo": "2018-11-30T00:00:00Z",
"subscriber": "B03"
},
{
"item": "DateOfBirth",
"value": "7/21/1902",
"validFrom": "2018-11-30T00:00:00Z",
"validTo": "2019-02-28T00:00:00Z",
"subscriber": "B13"
},
{
"item": "DateOfBirth",
"value": "7/21/1922",
"validFrom": "2016-07-09T00:00:00Z",
"validTo": "2018-02-03T00:00:00Z",
"subscriber": "B14"
}
],
"identificationsList": [],
"addressList": [
{
"item": "MainAddress",
"value": "NAIROBI",
"validFrom": "2021-08-31T00:00:00Z",
"validTo": "2021-10-31T00:00:00Z",
"subscriber": "B02"
},
{
"item": "MainAddress",
"value": "TASSIA",
"validFrom": "2021-10-31T00:00:00Z",
"validTo": "2021-11-30T00:00:00Z",
"subscriber": "B02"
},
{
"item": "MainAddress",
"value": "NAIROBI",
"validFrom": "2021-11-30T00:00:00Z",
"validTo": "2023-01-31T00:00:00Z",
"subscriber": "B02"
},
{
"item": "MainAddress",
"value": "TASSIA",
"validFrom": "2023-01-31T00:00:00Z",
"validTo": "2023-07-31T00:00:00Z",
"subscriber": "B02"
},
{
"item": "MainAddressLine",
"value": "TASSIA",
"validFrom": "2023-01-31T00:00:00Z",
"validTo": "2023-07-31T00:00:00Z",
"subscriber": "B02"
},
{
"item": "SecondaryAddress",
"value": "Kenya KE",
"validFrom": "2018-03-31T00:00:00Z",
"validTo": "2018-04-30T00:00:00Z",
"subscriber": "B05"
},
{
"item": "SecondaryAddressLine",
"value": "P. O. BOX 33 EMBU",
"validFrom": "2021-08-31T00:00:00Z",
"validTo": "2023-06-30T00:00:00Z",
"subscriber": "B02"
},
{
"item": "SecondaryAddressLine",
"value": "KENYA",
"validFrom": "2018-03-25T00:00:00Z",
"validTo": "2018-10-31T00:00:00Z",
"subscriber": "B03"
},
{
"item": "SecondaryAddressLine",
"value": "Kenya KE",
"validFrom": "2018-03-31T00:00:00Z",
"validTo": "2018-04-30T00:00:00Z",
"subscriber": "B05"
}
],
"contactList": [
{
"item": "FixedLine",
"value": "254711049000",
"validFrom": "2021-10-31T00:00:00Z",
"validTo": "2023-01-31T00:00:00Z",
"subscriber": "B02"
},
{
"item": "FixedLine",
"value": "254000000000",
"validFrom": "2023-01-31T00:00:00Z",
"validTo": "2023-02-28T00:00:00Z",
"subscriber": "B02"
},
{
"item": "FixedLine",
"value": "254700000000",
"validFrom": "2023-02-28T00:00:00Z",
"validTo": "2023-04-30T00:00:00Z",
"subscriber": "B02"
},
{
"item": "FixedLine",
"value": "254000000000",
"validFrom": "2023-04-30T00:00:00Z",
"validTo": "2023-06-30T00:00:00Z",
"subscriber": "B02"
},
{
"item": "MobilePhone",
"value": "254723766312",
"validFrom": "2021-08-31T00:00:00Z",
"validTo": "2021-10-31T00:00:00Z",
"subscriber": "B02"
},
{
"item": "MobilePhone",
"value": "254711049000",
"validFrom": "2021-10-31T00:00:00Z",
"validTo": "2021-11-30T00:00:00Z",
"subscriber": "B02"
},
{
"item": "MobilePhone",
"value": "254000000312",
"validFrom": "2021-11-30T00:00:00Z",
"validTo": "2023-01-31T00:00:00Z",
"subscriber": "B02"
},
{
"item": "MobilePhone",
"value": "254000000000",
"validFrom": "2003-01-31T00:00:00Z",
"validTo": "2023-02-28T00:00:00Z",
"subscriber": "B02"
},
{
"item": "MobilePhone",
"value": "254100000000",
"validFrom": "2003-02-28T00:00:00Z",
"validTo": "2023-04-30T00:00:00Z",
"subscriber": "B02"
},
{
"item": "MobilePhone",
"value": "254000000000",
"validFrom": "2023-04-30T00:00:00Z",
"validTo": "2003-05-19T00:00:00Z",
"subscriber": "B02"
},
{
"item": "MobilePhone",
"value": "254999999999",
"validFrom": "2023-05-19T00:00:00Z",
"validTo": "2023-07-31T00:00:00Z",
"subscriber": "B02"
},
{
"item": "MobilePhone",
"value": "254000000000",
"validFrom": "2023-07-31T00:00:00Z",
"validTo": "2024-02-29T00:00:00Z",
"subscriber": "B02"
},
{
"item": "MobilePhone",
"value": "7200000",
"validFrom": "2024-02-29T00:00:00Z",
"validTo": "2024-04-30T00:00:00Z",
"subscriber": "B02"
},
{
"item": "MobilePhone",
"value": "25400000002",
"validFrom": "2024-04-30T00:00:00Z",
"validTo": "2024-06-30T00:00:00Z",
"subscriber": "B02"
},
{
"item": "MobilePhone",
"value": "72000012",
"validFrom": "2024-06-30T00:00:00Z",
"validTo": "2024-07-25T00:00:00Z",
"subscriber": "B02"
},
{
"item": "MobilePhone",
"value": "25111112",
"validFrom": "2020-10-09T00:00:00Z",
"validTo": "2021-03-10T00:00:00Z",
"subscriber": "B06"
},
{
"item": "MobilePhone",
"value": "2541147",
"validFrom": "2021-03-10T00:00:00Z",
"validTo": "2021-03-10T00:00:00Z",
"subscriber": "B06"
},
{
"item": "MobilePhone",
"value": "200002",
"validFrom": "2021-03-10T00:00:00Z",
"validTo": "2021-05-07T00:00:00Z",
"subscriber": "B06"
},
{
"item": "MobilePhone",
"value": "21000011117",
"validFrom": "2021-05-07T00:00:00Z",
"validTo": "2021-09-02T00:00:00Z",
"subscriber": "B06"
},
{
"item": "MobilePhone",
"value": "2540003147",
"validFrom": "2022-11-30T00:00:00Z",
"validTo": "2022-12-31T00:00:00Z",
"subscriber": "B06"
},
{
"item": "MobilePhone",
"value": "254723766312",
"validFrom": "2024-04-19T00:00:00Z",
"validTo": "2024-05-03T00:00:00Z",
"subscriber": "B06"
}
]
},
"cip": {
"recordList": [
{
"score": 250.0,
"grade": "E3",
"probabilityOfDefault": 100.0,
"trend": "NoChange",
"date": "2024-07-27T00:17:54.8184Z",
"reasonsList": [
{
"code": "BD1",
"description": "Current bad payment behaviour"
},
{
"code": "MS1",
"description": "Serious delinquencies last 3 months"
},
{
"code": "NI1",
"description": "1 or more missed payments last 2 months"
},
{
"code": "NO1",
"description": "3 or more non-mobile contracts were started last 9 months"
},
{
"code": "DM1",
"description": "Very high number of days past due on mobile contract last 6 months"
}
]
},
{
"score": 250.0,
"grade": "E3",
"probabilityOfDefault": 100.0,
"trend": "NoChange",
"date": "2024-06-7T00:00:00Z",
"reasonsList": [
{
"code": "BAD1"
},
{
"code": "MSS1"
},
{
"code": "NSI1"
},
{
"code": "NCO1"
},
{
"code": "DPM1"
}
]
},
{
"score": 250.0,
"grade": "E3",
"probabilityOfDefault": 100.0,
"trend": "NoChange",
"date": "2024-05-31T00:00:00Z",
"reasonsList": [
{
"code": "BAD1"
},
{
"code": "MSS1"
},
{
"code": "NSI1"
},
{
"code": "NCO1"
},
{
"code": "DPM1"
}
]
},
{
"score": 250.0,
"grade": "E3",
"probabilityOfDefault": 100.0,
"trend": "NoChange",
"date": "2024-04-30T00:00:00Z",
"reasonsList": [
{
"code": "BAD1"
},
{
"code": "MSS1"
},
{
"code": "NSI1"
},
{
"code": "NCO1"
},
{
"code": "DPM1"
}
]
},
{
"score": 250.0,
"grade": "E3",
"probabilityOfDefault": 100.0,
"trend": "NoChange",
"date": "2024-03-31T00:00:00Z",
"reasonsList": [
{
"code": "BAD1"
},
{
"code": "MSS1"
},
{
"code": "NSI1"
},
{
"code": "NCO1"
},
{
"code": "DPM1"
}
]
},
{
"score": 250.0,
"grade": "E3",
"probabilityOfDefault": 100.0,
"trend": "NoChange",
"date": "2024-02-29T00:00:00Z",
"reasonsList": [
{
"code": "BAD1"
},
{
"code": "MSS1"
},
{
"code": "NSI1"
},
{
"code": "NCO1"
},
{
"code": "DPM1"
}
]
},
{
"score": 250.0,
"grade": "E3",
"probabilityOfDefault": 100.0,
"trend": "NoChange",
"date": "2024-01-31T00:00:00Z",
"reasonsList": [
{
"code": "BAD1"
},
{
"code": "MSS1"
},
{
"code": "NSI1"
},
{
"code": "NCO1"
},
{
"code": "DPM1"
}
]
},
{
"score": 250.0,
"grade": "E3",
"probabilityOfDefault": 100.0,
"trend": "NoChange",
"date": "2023-12-31T00:00:00Z",
"reasonsList": [
{
"code": "BAD1"
},
{
"code": "MSS1"
},
{
"code": "NSI1"
},
{
"code": "NCO1"
},
{
"code": "DPM1"
}
]
},
{
"score": 250.0,
"grade": "E3",
"probabilityOfDefault": 100.0,
"trend": "NoChange",
"date": "2023-11-30T00:00:00Z",
"reasonsList": [
{
"code": "BAD1"
},
{
"code": "MSS1"
},
{
"code": "NSI1"
},
{
"code": "NCO1"
},
{
"code": "DPM1"
}
]
},
{
"score": 250.0,
"grade": "E3",
"probabilityOfDefault": 100.0,
"trend": "NoChange",
"date": "2023-10-31T00:00:00Z",
"reasonsList": [
{
"code": "BAD1"
},
{
"code": "MSS1"
},
{
"code": "NSI1"
},
{
"code": "NCO1"
},
{
"code": "DPM1"
}
]
},
{
"sector": "Telecom",
"accountProductType": "Overdraft",
"dateAccountOpened": "2022-12-21T00:00:00Z",
"phaseOfContract": "Closed",
"accountStatus": "Closed",
"originalAmount": {
"currency": "KES",
"localValue": 3555.42,
"value": 3555.42
},
"currentBalance": {
"currency": "KES",
"localValue": 0.0,
"value": 0.0
},
"overdueBalance": {
"currency": "KES",
"localValue": 0.0,
"value": 0.0
},
"daysInArrears": 0,
"roleOfClient": "MainDebtor",
"performingIndicator": "Normal"
},
{
}
},
{
"month": 9,
"year": 2023,
"date": "2023-09-01T00:00:00Z",
"monthlyAffordability": {
"currency": "KES",
"localValue": 0.0,
"value": 0.0
}
},
{
"month": 8,
"year": 2023,
"date": "2023-08-01T00:00:00Z",
"monthlyAffordability": {
"currency": "KES",
"localValue": 0.0,
"value": 0.0
}
}
],
"paymentCalendarList": [
{
"date": "2024-07-31T00:00:00Z",
"delinquencyStatus": "Default",
"contractsSubmitted": 3,
"overdueBalance": {
"currency": "KES",
"localValue": 13333.34,
"value": 13333.34
},
"daysInArrears": 857,
"installmentsInArrears": 1,
"currentBalance": {
"currency": "KES",
"localValue": 19482.34,
"value": 19482.34
}
},
{
"date": "2024-06-30T00:00:00Z",
"delinquencyStatus": "Default",
"contractsSubmitted": 4,
"overdueBalance": {
"currency": "KES",
"localValue": 36762.8,
"value": 36762.8
},
"daysInArrears": 1553,
"installmentsInArrears": 2,
"currentBalance": {
"currency": "KES",
"localValue": 42911.8,
"value": 42911.8
}
},
{
"date": "2024-05-31T00:00:00Z",
"delinquencyStatus": "Default",
"contractsSubmitted": 6,
"overdueBalance": {
"currency": "KES",
"localValue": 36762.8,
"value": 36762.8
},
"daysInArrears": 1523,
"installmentsInArrears": 2,
"currentBalance": {
"currency": "KES",
"localValue": 43412.02,
"value": 43412.02
}
},
{
"date": "2024-04-30T00:00:00Z",
"delinquencyStatus": "Default",
"contractsSubmitted": 7,
"overdueBalance": {
"currency": "KES",
"localValue": 12992.21,
"value": 12992.21
},
"daysInArrears": 1471,
"installmentsInArrears": 2,
"currentBalance": {
"currency": "KES",
"localValue": 60011.08,
"value": 60011.08
}
},
{
"date": "2024-03-31T00:00:00Z",
"delinquencyStatus": "Default",
"contractsSubmitted": 5,
"overdueBalance": {
"currency": "KES",
"localValue": 36762.8,
"value": 36762.8
},
"daysInArrears": 1462,
"installmentsInArrears": 2,
"currentBalance": {
"currency": "KES",
"localValue": 82911.67,
"value": 82911.67
}
},
{
"date": "2024-02-29T00:00:00Z",
"delinquencyStatus": "Default",
"contractsSubmitted": 5,
"overdueBalance": {
"currency": "KES",
"localValue": 25802.7,
"value": 25802.7
},
"daysInArrears": 1439,
"installmentsInArrears": 2,
"currentBalance": {
"currency": "KES",
"localValue": 73311.42,
"value": 73311.42
}
},
{
"date": "2024-01-31T00:00:00Z",
"delinquencyStatus": "Default",
"contractsSubmitted": 7,
"overdueBalance": {
"currency": "KES",
"localValue": 49232.16,
"value": 49232.16
},
"daysInArrears": 1402,
"installmentsInArrears": 3,
"currentBalance": {
"currency": "KES",
"localValue": 96251.03,
"value": 96251.03
}
},
{
"date": "2023-12-31T00:00:00Z",
"delinquencyStatus": "Default",
"contractsSubmitted": 5,
"overdueBalance": {
"currency": "KES",
"localValue": 25802.7,
"value": 25802.7
},
"daysInArrears": 1346,
"installmentsInArrears": 2,
"currentBalance": {
"currency": "KES",
"localValue": 72821.57,
"value": 72821.57
}
},
{
"date": "2023-11-30T00:00:00Z",
"delinquencyStatus": "Default",
"contractsSubmitted": 7,
"overdueBalance": {
"currency": "KES",
"localValue": 26383.99,
"value": 26383.99
},
"daysInArrears": 1315,
"installmentsInArrears": 3,
"currentBalance": {
"currency": "KES",
"localValue": 96832.32,
"value": 96832.32
}
},
{
"date": "2023-10-31T00:00:00Z",
"delinquencyStatus": "Default",
"contractsSubmitted": 6,
"overdueBalance": {
"currency": "KES",
"localValue": 49232.16,
"value": 49232.16
},
"daysInArrears": 1284,
"installmentsInArrears": 3,
"currentBalance": {
"currency": "KES",
"localValue": 96799.32,
"value": 96799.32
}
},
{
"date": "2023-09-30T00:00:00Z",
"delinquencyStatus": "Default",
"contractsSubmitted": 5,
"overdueBalance": {
"currency": "KES",
"localValue": 25802.7,
"value": 25802.7
},
"daysInArrears": 125,
"installmentsInArrears": 2,
"currentBalance": {
"currency": "KES",
"localValue": 721.57,
"value": 721.57
}
},
{
"date": "2023-08-3T00:00:00Z",
"delinquencyStatus": "Default",
"contractsSubmitted": 6,
"overdueBalance": {
"currency": "KES",
"localValue": 299902.7,
"value": 299902.7
},
"daysInArrears": 1222,
"installmentsInArrears": 2,
"currentBalance": {
"currency": "KES",
"localValue": 70001.57,
"value": 70001.57
}
}
],
"sectorInfoList": [
{
"debtorOriginalAmountSum": {
"currency": "KES",
"localValue": 10000.87,
"value": 100008.87
},
"debtorCurrentBalanceSum": {
"currency": "KES",
"localValue": 14009.19,
"value": 14009.19
},
"debtorOverdueBalanceSum": {
"currency": "KES",
"localValue": 100009.32,
"value": 100009.32
},
"debtorOpenContracts": 5,
"debtorClosedContracts": 20,
"guarantorOpenContracts": 0,
"guarantorClosedContracts": 0,
"sector": "Banks"
},
{
"debtorOriginalAmountSum": {
"currency": "KES",
"localValue": 10000.0,
"value": 10000.0
},
"debtorCurrentBalanceSum": {
"currency": "KES",
"localValue": 6149.0,
"value": 6149.0
},
"debtorOverdueBalanceSum": {
"currency": "KES",
"localValue": 0.0,
"value": 0.0
},
"debtorOpenContracts": 1,
"debtorClosedContracts": 0,
"guarantorOpenContracts": 0,
"guarantorClosedContracts": 0,
"sector": "MFIDonor"
},
{
"debtorOriginalAmountSum": {
"currency": "KES",
"localValue": 4003.09,
"value": 4003.09
},
"debtorCurrentBalanceSum": {
"currency": "KES",
"localValue": 4003.09,
"value": 4003.09
},
"debtorOverdueBalanceSum": {
"currency": "KES",
"localValue": 0.0,
"value": 0.0
},
"debtorOpenContracts": 2,
"debtorClosedContracts": 00,
"guarantorOpenContracts": 0,
"guarantorClosedContracts": 0,
"sector": "Telecom"
}
]
},
"paymentIncidentList": {
"paymentIncidentList": [],
"summary": {
"dueAmountSummary": {
"currency": "KES",
"localValue": 0.0,
"value": 0.0
}
}
},
"disputes": {
"disputeList": [],
"summary": {
"numberOfActiveDisputesCheques": 0,
"numberOfActiveDisputesContracts": 0,
"numberOfActiveDisputesSubjectData": 0,
"numberOfActiveDisputesInCourt": 0,
"numberOfClosedDisputesCheques": 0,
"numberOfClosedDisputesContracts": 0,
"numberOfClosedDisputesSubjectData": 0,
"numberOfFalseDisputes": 0,
"numberOfActiveDisputesCreditApplication": 0,
"numberOfClosedDisputesCreditApplication": 0
}
},
"inquiries": {
"summary": {
"numberOfInquiriesLast1Month": 1,
"numberOfInquiriesLast3Months": 1,
"numberOfInquiriesLast6Months": 1,
"numberOfInquiriesLast12Months": 1,
"numberOfInquiriesLast24Months": 1
},
"inquiryList": [
{
"dateOfInquiry": "2024-07-1T14:56:54.09Z",
"subscriber": "Peza International",
"sector": "Others",
"product": "WS Creditinfo Report Plus",
"reason": 1
}
]
},
"ciq": {
"summary": {
"numberOfFraudAlertsPrimarySubject": 0,
"numberOfFraudAlertsThirdParty": 0
},
"detail": {
"lostStolenRecordsFound": 0,
"numberOfCancelledClosedContracts": 0
}
},
"bouncedCheques": {
"chequeList": []
},
"currentRelations": {
"relatedPartyList": [],
"involvementList": [],
"contractRelationList": []
},
"reportInfo": {
"created": "2024-07-200:17:55.1868Z",
"referenceNumber": "499337-97021",
"requestedBy": "peza.api",
"subscriber": "Peza International",
"version": 553,
"reportStatus": "ReportGenerated",
"reportReferenceNumber": "3000-2012-9SAA-4FF9"
},
"subjectInfoHistoryFlatList": [],
"creditApplications": {
"creditApplicationList": []
},
"creditApplicationSummary": {
"totalNumber12Months": 0,
"numberOfOpenApplications": 0,
"numberOfClosedApplication": 0,
"numberOfClosedApplicationAccepted": 0,
"numberOfClosedApplicationWithdrawn": 0,
"numberOfClosedApplicationRejected": 0,
"numberOfClosedCancelled": 0,
"numberOfClosedFullyDisbursed": 0
},
"parameters": {
"inquiryReason": "ApplicationForCreditOrAmendmentOfCreditTerms",
"consent": true,
"searchIdNumberType": "NationalID",
"searchIdNumber": "20000030",
"idNumberType": "NationalID",
"idNumber": "20000030",
"subjectType": "Individual",
"sectionsList": [
"CreditinfoReportPlus"
],
"reportDate": "2024-07-27T00:17:54.82384Z",
"subjectToken": "91yaDzH-bjQnkS--tio-JMWlwWgz10KTzVDyGA3-Qg0"
},
"coremetrix": {}
},
"verification": {
"status": "VERIFIED",
"reference": "0c8e7b1-c363-4a53-a543-56dbd9d9e"
},
"widget_info": {},
"session": {},
"endpoint_name": "Credit Reference Bureau - Advance"
}
Code responses
MCRB API: Account Product Type
| Code | Description | Code | Description |
|---|---|---|---|
| 1 | Unknown | 11 | Mortgage |
| 2 | Current Account | 12 | Asset Finance Facility |
| 3 | Loan Account | 13 | Trade Finance Facility |
| 4 | Credit card | 14 | Personal Loan |
| 5 | Line of credit | 18 | Mobile Banking Loan |
| 6 | Revolving credit | 19 | Other |
| 7 | Overdraft | ||
| 8 | Credit card | ||
| 9 | Business working capital | ||
| 10 | Business expansion loan |
MCRB API: Delinquency Codes
| Delinquency code | Report name | Report description |
|---|---|---|
| 001 | Identity not found | ID number not found in the database |
| 002 | No account information | ID number has been found but it has no credit information |
| 003 | No delinquency | ID Number has credit info with No NPA |
| 004 | Currently delinquent True | ID Number has credit information with at least one current NPA |
| 005 | Historical delinquency True | ID Number has credit information with at least one Historical NPA |
MCRB API: Identity Type
| Code | Description |
|---|---|
| 001 | National ID |
| 002 | Passport |
| 003 | Service ID |
| 004 | Alien Registration |
| 005 | Company/Business Registration |
MCRB API: Report Reason
| Code | Description |
|---|---|
| 1 | New credit application |
| 2 | Review of existing credit |
| 3 | Verify customer details |
| 4 | Direct customer request |
Response Description (Fetch Report)
| Response | Description |
|---|---|
| status | Indicates the status of the response. |
| response_code | Represents the response code associated with the request. |
| data | This section contains various data related to the profile or summary. |
| dashboard | Dashboard-related information. |
| cip | Credit information provider details. |
| score | Credit score. |
| grade | Credit grade. |
| trend | Trend of credit information. |
| inquiries | Information about inquiries. |
| inquiriesForLast12Months | Number of inquiries in the last 12 months. |
| subscribersInLast12Months | Number of subscribers in the last 12 months. |
| paymentsProfile | Payment profile information. |
| pastDueAmountSum | Sum of past due amounts. |
| worstPastDueDaysCurrent | Worst past due days for the current period. |
| worstPastDueDaysForLast12Months | Worst past due days for the last 12 months. |
| installmentAmountSum | Sum of installment amounts. |
| numberOfDifferentSubscribers | Number of different subscribers. |
| openContracts | Number of open contracts. |
| closedContracts | Number of closed contracts. |
| collaterals | Collateral-related information. |
| numberOfCollaterals | Number of collaterals. |
| totalCollateralValue | Total collateral value. |
| highestCollateralValue | Highest collateral value. |
| highestCollateralValueType | Type of highest collateral value. |
| relations | Information about relations. |
| numberOfRelations | Number of relations. |
| numberOfInvolvements | Number of involvements. |
| disputes | Information about disputes. |
| activeChequesDisputes | Number of active cheques disputes. |
| activeContractDisputes | Number of active contract disputes. |
| activeSubjectDisputes | Number of active subject disputes. |
| closedChequesDisputes | Number of closed cheques disputes. |
| closedContractDisputes | Number of closed contract disputes. |
| closedSubjectDisputes | Number of closed subject disputes. |
| falseDisputes | Number of false disputes. |
| numberOfCourtRegisteredDisputes | Number of court-registered disputes. |
| ciq | Credit information quality details. |
| fraudAlerts | Number of fraud alerts. |
| fraudAlertsThirdParty | Number of fraud alerts from third parties. |
| bouncedCheques | Information about bounced cheques. |
| numberOfCheques | Number of bounced cheques. |
| individual | Individual-related information. |
| artificialEntityRelationsList | List of artificial entity relations. |
| general | General information about the individual. |
| surname | Surnames. |
| forename1 | First forename. |
| fullName | Full name. |
| classificationOfIndividual | Classification of the individual. |
| gender | Gender. |
| dateOfBirth | Date of birth. |
| countryOfBirth | Country of birth. |
| maritalStatus | Marital status. |
| socialStatus | Social status. |
| residency | Residency status. |
| citizenship | Citizenship status. |
| employment | Employment status. |
| education | Education status. |
| identifications | Identification information. |
| nationalID | National ID. |
| creditinfoId | Creditinfo ID. |
| mainAddress | Main address information. |
| town | Town of the main address. |
| country | Country of the main address. |
| secondaryAddress | Secondary address information. |
| contact | Contact-related information. |
| subjectInfoHistory | History of subject information. |
| generalList | List of general information related to the subject. |
| identificationsList | List of identification information. |
| addressList | List of address-related information. |
| contactList | List of contact-related information. |
| cip | Credit Information Provider (CIP) details. |
| recordList | List of credit records. |
| probabilityOfDefault | Probability of default. |
| date | Date of the record. |
| reasonsList | List of reasons for the credit record. |
| code | Code for the reason. |
| description | Description of the reason. |
| contracts | List of contracts. |
| contractList | Information about contracts. |
| artificialEntityCode | Code for artificial entities. |
| branch | Branch information. |
| phaseOfContract | Phase of the contract. |
| accountStatus | Account status. |
| accountProductType | Type of account product. |
| performingIndicator | Indicator of contract performance. |
| currencyOfFacility | Currency of the contract. |
| originalAmount | Original contract amount. |
| installmentAmount | Amount of installments. |
| outstandingAmount | Outstanding contract amount. |
| overdueBalance | Overdue balance. |
| worstPastDueAmount | Worst past due amount. |
| daysInArrears | Days in arrears. |
| worstPastDueDays | Worst past due days. |
| installmentsInArrears | Installments in arrears. |
| dateOfLastPayment | Date of the last payment. |
| paymentFrequency | Frequency of payments. |
| dateAccountOpened | Date the account was opened. |
| negativeStatusOfContract | Negative status of the contract. |
| subscriber | Subscriber of the contract. |
| subscriberType | Type of subscriber. |
| roleOfClient | Role of the client. |
| contractCode | Code for the contract. |
| internalEntityCode | Internal entity code. |
| lastUpdate | Date of the last update. |
| relatedSubjectList | List of related subjects. |
| collateralList | List of collateral-related information. |
| calendarItemList | List of calendar items. |
| date | Date of the calendar item. |
| delinquencyStatus | Status of delinquency. |
| contractsSubmitted | Number of contracts submitted. |
| disputes | Information about disputes related to the contract. |
| closedDisputes | Number of closed disputes. |
| falseDisputes | Number of false disputes. |
| activeDisputes | Number of active disputes. |
| activeInCourtDisputes | Number of active disputes in court. |
| disputeList | List of disputes. |
| contractOverview | Overview of contract information. |
| sector | Sector of the contract. |
| currentBalance | Current balance. |
| paymentIncidentList | List of payment incidents. |
| paymentIncidentList | List of payment incidents. |
| summary | Summary of payment incidents. |
| dueAmountSummary | Summary of due amounts. |
| disputes | Information about disputes. |
| disputeList | List of disputes. |
| summary | Summary of disputes. |
| numberOfActiveDisputesCheques | Number of active cheques disputes. |
| numberOfActiveDisputesContracts | Number of active contract disputes. |
| numberOfActiveDisputesSubjectData | Number of active subject disputes. |
| numberOfActiveDisputesInCourt | Number of active disputes in court. |
| numberOfClosedDisputesCheques | Number of closed cheques disputes. |
| numberOfClosedDisputesContracts | Number of closed contract disputes. |
| numberOfClosedDisputesSubjectData | Number of closed subject disputes. |
| numberOfFalseDisputes | Number of false disputes. |
| inquiries | Information about inquiries. |
| summary | Summary of inquiries. |
| numberOfInquiriesLast1Month | Number of inquiries in the last 1 month. |
| numberOfInquiriesLast3Months | Number of inquiries in the last 3 months. |
| numberOfInquiriesLast6Months | Number of inquiries in the last 6 months. |
| numberOfInquiriesLast12Months | Number of inquiries in the last 12 months. |
| numberOfInquiriesLast24Months | Number of inquiries in the last 24 months. |
| inquiryList | List of inquiries. |
| dateOfInquiry | Date of the inquiry. |
| subscriber | Subscriber of the inquiry. |
| sector | Sector of the inquiry. |
| product | Product of the inquiry. |
| reason | Reason for the inquiry. |
| ciq | Credit Information Quality (CIQ) details. |
| summary | Summary of CIQ information. |
| numberOfFraudAlertsPrimarySubject | Number of fraud alerts for the primary subject. |
| numberOfFraudAlertsThirdParty | Number of fraud alerts from third parties. |
| detail | Detailed CIQ information. |
| lostStolenRecordsFound | Number of lost or stolen records found. |
| numberOfCancelledClosedContracts | Number of canceled or closed contracts. |
| bouncedCheques | Information about bounced cheques. |
| chequeList | List of bounced cheques. |
| reportInfo | Report information. |
| created | Date of report creation. |
| referenceNumber | Reference number for the report. |
| requestedBy | Name of the person who requested the report. |
| subscriber | Subscriber of the report. |
| version | Version of the report. |
| reportStatus | Status of the report. |
| reportReferenceNumber | Reference number for the report. |
| subjectInfoHistoryFlatList | List of historical subject information. |
| parameters | Parameters related to the request. |
| inquiryReason | Reason for the inquiry. |
| consent | Consent status. |
| searchIdNumberType | Type of search ID number. |
| searchIdNumber | Search ID number. |
| idNumberType | Type of ID number. |
| idNumber | ID number. |
| subjectType | Type of subject. |
| sectionsList | List of report sections. |
| reportDate | Date of the report. |
| subjectToken | Subject token. |
| coremetrix | Coremetrix-related information. |
| processingTime | Processing time for the request. |
| status | Boolean indicating the overall status. |
| requestId | Identifier for the request. |
Updated 4 months ago