Credit Reference Bureau
The Kenya Credit Reference Bureau (CRB) endpoint authorize users, such as banks, microfinance institutions, and other credit providers, to access an individual's credit history and repayment behavior.
By accessing the Kenya CRB endpoint, lenders can make more informed lending decisions, assess creditworthiness, and manage risk effectively. This plays a pivotal role in promoting responsible lending practices, enhancing transparency in the credit ecosystem, and fostering a healthy and stable financial environment in Kenya.
TEST DATA
first_name: john
last_name: doe
national_id: 12345678
POST
{{URL}}/identitypass/verification/ke/crb
Request Header
| Key | Description |
|---|---|
| x-api-key | Your Secret Key |
| app-id | Your app id |
Request Body
| Key | Description |
|---|---|
| first_name | First name of the customer |
| last_name | Last name of the customer |
| national_id | National Identity number of the customer |
Sample Response
{
"status": true,
"response_code": "00",
"data": {
"summary": {
"pa_open_mobi_loan_accounts": 3,
"npa_closed_accounts": 1,
"npa_open_accounts": 1,
"pa_closed_accounts": 11,
"pa_accounts_with_dh": 1,
"last_mobi_loan_listing_date_my_sector": "14-09-2018",
"pa_accounts": 17,
"pa_closed_mobi_loan_accounts": 11,
"mobi_loan_accounts": 15,
"enquiries31_to60_days": 0,
"bounced_cheques": 0,
"min_mobi_loan_principal_amount": 6150,
"avg_mobi_loan_principal_amount": 8608.33,
"last_mobi_loan_listing_date_other_sectors": "13-07-2019",
"legal_suits": 0,
"npa_closed_mobi_loan_accounts": 0,
"mobi_loans_score": "581",
"pa_open_mobi_loan_accounts_with_dh": 0,
"fraudulent_cases": 0,
"pa_open_accounts_with_dh": 0,
"pa_closed_mobi_loan_accounts_with_dh": 1,
"npa_open_mobi_loan_accounts": 1,
"last_mobi_loan_principal_amount": 35000,
"credit_history": 45,
"enquiries_last30_days": 0,
"max_mobi_loan_principal_amount": 35000,
"credit_applications": 0,
"pa_open_accounts": 6,
"enquiries61_to90_days": 0,
"npa_accounts": 1,
"enquiries91_days": 0,
"pa_closed_accounts_with_dh": 0
},
"phone_numbers": [
{
"phone_number": "254000000000",
"phone_type": "LANDLINE"
}
],
"product": "PRODUCT131",
"personal_profile": {
"national_id": "12345678",
"full_name": "JOHN DOE",
"gender": "",
"surname": "JOHN",
"date_of_birth": "01-01-1990",
"transunion_log": null,
"other_names": "DOE"
},
"score_output": {
"reason_code_aarc1": "Low number of payments recently",
"reason_code_aarc2": "Satisfactory accounts are relatively old",
"reason_code_aarc3": "Recent delinquency on accounts",
"reason_code_aarc4": "Average credit limit of Revolving accounts are relatively low",
"probability": "23.96",
"grade": "EE",
"positive_score": null,
"mobi_loans_score": "581"
}
},
"verification": {
"reference": "bb3ad76a-b618-4540-a944-48195e26f5a1"
},
"session": {}
}
Response Description
| 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. |
| summary | This section contains summarized information about the data. |
| pa_open_mobi_loan_accounts | Number of open mobile loan accounts that are performing well. |
| npa_closed_accounts | Number of closed accounts that were non-performing assets. |
| npa_open_accounts | Number of open accounts that are non-performing assets. |
| pa_closed_accounts | Number of closed accounts that are performing well. |
| pa_accounts_with_dh | Number of accounts with credit deficiencies that are performing well. |
| last_mobi_loan_listing_date_my_sector | Date of the last listing of a mobile loan in the sector. |
| pa_accounts | Total number of accounts that are performing well. |
| pa_closed_mobi_loan_accounts | Number of closed mobile loan accounts that are performing well. |
| mobi_loan_accounts | Total number of mobile loan accounts. |
| enquiries31_to60_days | Number of credit inquiries made within 31 to 60 days. |
| bounced_cheques | Number of bounced cheques. |
| min_mobi_loan_principal_amount | Minimum principal amount of mobile loans. |
| avg_mobi_loan_principal_amount | Average principal amount of mobile loans. |
| last_mobi_loan_listing_date_other_sectors | Date of the last listing of a mobile loan in other sectors. |
| legal_suits | Number of legal suits. |
| npa_closed_mobi_loan_accounts | Number of closed mobile loan accounts that were non-performing assets. |
| mobi_loans_score | The score associated with the mobile loans. |
| pa_open_mobi_loan_accounts_with_dh | Number of open mobile loan accounts with credit deficiencies that are performing well. |
| fraudulent_cases | Number of fraudulent cases. |
| pa_open_accounts_with_dh | Number of open accounts with credit deficiencies that are performing well. |
| pa_closed_mobi_loan_accounts_with_dh | Number of closed mobile loan accounts with credit deficiencies that are performing well. |
| npa_open_mobi_loan_accounts | Number of open mobile loan accounts that are non-performing assets. |
| last_mobi_loan_principal_amount | The principal amount of the last mobile loan. |
| credit_history | The credit history duration in months. |
| enquiries_last30_days | Number of credit inquiries made within the last 30 days. |
| max_mobi_loan_principal_amount | Maximum principal amount of mobile loans. |
| credit_applications | Number of credit applications. |
| pa_open_accounts | Number of open accounts that are performing well. |
| enquiries61_to90_days | Number of credit inquiries made within 61 to 90 days. |
| npa_accounts | Number of accounts that are non-performing assets. |
| enquiries91_days | Number of credit inquiries made within 91 days or more. |
| pa_closed_accounts_with_dh | Number of closed accounts with credit deficiencies that are performing well. |
| phone_numbers | Information related to phone numbers associated with the person. |
| phone_number | The phone number. |
| phone_type | The type of phone number. |
| product | The product associated with the data. |
| personal_profile | Personal profile information about an individual. |
| national_id | The national identification number. |
| full_name | The full name of the individual. |
| gender | The gender of the individual. |
| surname | The last name or surname of the individual. |
| date_of_birth | The date of birth of the individual. |
| transunion_log | Log information related to TransUnion data. |
| other_names | Other names or middle names of the individual. |
| score_output | Information related to the score output. |
| reason_code_aarc1 | Reason code indicating a low number of payments recently. |
| reason_code_aarc2 | Reason code indicating satisfactory accounts are relatively old. |
| reason_code_aarc3 | Reason code indicating recent delinquency on accounts. |
| reason_code_aarc4 | Reason code indicating average credit limit of revolving accounts is relatively low. |
| probability | Probability associated with the score output. |
| grade | Grade associated with the score output. |
| positive_score | Positive score information. |
| mobi_loans_score | The score associated with the mobile loans. |
| verification | Information related to verification. |
| reference | Unique reference code associated with the verification. |
| session | Session-related information. |
Updated 8 months ago