Credit Bureau
Credit Bureau is an agency that collects information related to the credit ratings of individuals and makes it available to financial companies, banks, and other legal authorities.
Our partner bureaus -
- Equifax and more in the pipeline
Parameters and Description
Generate and Fetch Credit Reports using detailed parameters or just using Mobile numbers and Names.
Basis the request payload, Decentro hits the relevant report in the backend accordingly.
Address Type
| Address Type | Code |
|---|---|
| Home | H |
| Office | O |
| Others | X |
Inquiry Purpose
| Inquiry Purpose | Code |
|---|---|
| BusinessLoan | BL |
| ConsumerLoan | CL |
| CreditCard | CC |
| GoldLoan | GL |
| HomeLoan | HL |
| PersonalLoan | PL |
Sample API
{
"reference_id": "Manish Gupta is Testing",
"consent": true,
"consent_purpose": "Manish Gupta is Testing",
"name": "Manish Gupta",
"date_of_birth": "YYYY-MM-DD",
"address_type": "H",
"address": "some_physical_address",
"pincode": "641045",
"mobile": "8122244434",
"inquiry_purpose": "PL",
"document_type": "PAN",
"document_id": "ABCDE1234F"
}
{
"decentroTxnId": "5296XXXXXXXXXXXXXXXXXXXXXXXXXXXX",
"status": "SUCCESS",
"responseCode": "S00000",
"message": "Credit Report fetched successfully",
"data": {
"cCRResponse": {
"status": "1",
"cIRReportDataLst": [
{
"cIRReportData": {
"iDAndContactInfo": {
"personalInfo": {
"name": {
"fullName": "Full Name ",
"firstName": "Name ",
"lastName": "Surname "
},
"dateOfBirth": "1995-06-09",
"gender": "Male",
"age": {
"age": "XX"
}
},
"identityInfo": {
"pANId": [
{
"seq": "1",
"reportedDate": "2022-09-15",
"idNumber": "ID NUmber"
}
]
},
"addressInfo": [
{
"seq": "1",
"reportedDate": "2022-09-15",
"address": "Address",
"state": "MH",
"postal": "PIN",
"type": "Primary"
},
{
"seq": "2",
"reportedDate": "2022-08-31",
"address": "Address",
"state": "MH",
"postal": "PIN",
"type": "Primary"
},
{
"seq": "3",
"reportedDate": "2022-08-31",
"address": "Address",
"state": "MH",
"postal": "PIN",
"type": "Primary"
},
{
"seq": "4",
"reportedDate": "2022-05-31",
"address": "Address",
"state": "MH",
"postal": "PIN"
},
{
"seq": "5",
"reportedDate": "2021-05-21",
"address": "Address",
"state": "MH",
"postal": "PIN",
"type": "Owns,Permanent"
}
],
"phoneInfo": [
{
"seq": "1",
"typeCode": "H",
"reportedDate": "2021-05-21",
"number": "Phone"
},
{
"seq": "2",
"typeCode": "M",
"reportedDate": "2022-09-15",
"number": "Phone"
},
{
"seq": "3",
"typeCode": "M",
"reportedDate": "2021-05-21",
"number": "Phone"
}
],
"emailAddressInfo": [
{
"seq": "1",
"reportedDate": "2022-09-15",
"emailAddress": "Email"
}
]
},
"retailAccountDetails": [
{
"seq": "1",
"accountNumber": "Number",
"institution": "Institution",
"accountType": "Credit Card",
"ownershipType": "Individual",
"balance": "0",
"pastDueAmount": "0",
"open": "Yes",
"highCredit": "0",
"dateReported": "2022-09-15",
"dateOpened": "2022-09-03",
"termFrequency": "Monthly",
"creditLimit": "35000",
"accountStatus": "New Account",
"source": "INDIVIDUAL",
"history48Months": [
{
"key": "09-22",
"paymentStatus": "NEW",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
}
]
},
{
"seq": "2",
"accountNumber": "Number",
"institution": "Institution",
"accountType": "Consumer Loan",
"ownershipType": "Individual",
"balance": "0",
"pastDueAmount": "0",
"open": "Yes",
"sanctionAmount": "1000",
"dateReported": "2022-11-30",
"dateOpened": "2021-02-12",
"accountStatus": "Current Account",
"assetClassification": "Standard",
"source": "INDIVIDUAL",
"history48Months": [
{
"key": "11-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "10-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "09-22",
"paymentStatus": "*",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "08-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "07-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "06-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "05-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "04-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "03-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "02-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "01-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "12-21",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "11-21",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "10-21",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "09-21",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "08-21",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "07-21",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "06-21",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "05-21",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "04-21",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "03-21",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "02-21",
"paymentStatus": "NEW",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
}
]
},
{
"seq": "3",
"accountNumber": "Number",
"institution": "Institution",
"accountType": "Credit Card",
"ownershipType": "Individual",
"balance": "-1",
"open": "Yes",
"highCredit": "0",
"lastPaymentDate": "2022-11-21",
"dateReported": "2022-11-30",
"dateOpened": "2022-08-29",
"accountStatus": "Current Account",
"source": "INDIVIDUAL",
"history48Months": [
{
"key": "11-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "10-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "09-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "08-22",
"paymentStatus": "NEW",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
}
]
},
{
"seq": "4",
"accountNumber": "Number",
"institution": "Institution",
"accountType": "Credit Card",
"ownershipType": "Authorized User",
"balance": "3838",
"pastDueAmount": "0",
"lastPayment": "1",
"open": "Yes",
"highCredit": "59852",
"lastPaymentDate": "2022-11-21",
"dateReported": "2022-11-22",
"dateOpened": "2021-05-20",
"interestRate": "45.000",
"termFrequency": "Monthly",
"creditLimit": "283000",
"accountStatus": "Current Account",
"source": "INDIVIDUAL",
"history48Months": [
{
"key": "11-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "10-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "09-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "08-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "07-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "06-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "05-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "04-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "03-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "02-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "01-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "12-21",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "11-21",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "10-21",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "09-21",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "08-21",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "07-21",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "06-21",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "05-21",
"paymentStatus": "NEW",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
}
]
},
{
"seq": "5",
"accountNumber": "Number",
"institution": "Institution",
"accountType": "Consumer Loan",
"ownershipType": "Individual",
"balance": "0",
"pastDueAmount": "0",
"open": "Yes",
"sanctionAmount": "4000",
"dateReported": "2022-10-31",
"dateOpened": "2021-02-12",
"accountStatus": "Current Account",
"assetClassification": "Standard",
"source": "INDIVIDUAL",
"history48Months": [
{
"key": "10-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "09-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "08-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "07-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "06-22",
"paymentStatus": "*",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "05-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "04-22",
"paymentStatus": "*",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "03-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "02-22",
"paymentStatus": "*",
"suitFiledStatus": "*",
"assetClassificationStatus": "*"
},
{
"key": "01-22",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "12-21",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "11-21",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "10-21",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
},
{
"key": "09-21",
"paymentStatus": "000",
"suitFiledStatus": "*",
"assetClassificationStatus": "STD"
}
]
},
"scoreDetails": [
{
"type": "ERS",
"version": "3.1",
"name": "M001",
"value": "755",
"scoringElements": [
{
"type": "RES",
"seq": "1",
"description": "Number of product trades"
},
{
"type": "RES",
"seq": "2",
"code": "5b",
"description": "Balance amount of home loan trades"
},
{
"type": "RES",
"seq": "3",
"code": "8a",
"description": "Sanctioned amount of or lack of credit card trades"
}
]
}
],
"enquiries": [
{
"seq": "0",
"institution": "Institution",
"date": "2022-02-13",
"time": "17:14",
"requestPurpose": "06",
"amount": "100000"
}
],
"enquirySummary": {
"purpose": "ALL",
"total": "2",
"past30Days": "0",
"past12Months": "2",
"past24Months": "2",
"recent": "2022-10-11"
},
"otherKeyInd": {
"ageOfOldestTrade": "23",
"numberOfOpenTrades": "6",
"allLinesEVERWritten": "0.00",
"allLinesEVERWrittenIn9Months": "0",
"allLinesEVERWrittenIn6Months": "0"
},
"recentActivities": {
"accountsDeliquent": "0",
"accountsOpened": "0",
"totalInquiries": "1",
"accountsUpdated": "5"
}
}
}
]
}
}
}
Updated about 2 months ago