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

curl --location --request POST 'https://in.staging.decentro.tech/v2/financial_services/credit_bureau/credit_report' \
--header 'client_id: <YOUR_CLIENT_ID>' \
--header 'client_secret: <YOUR_CLIENT_SECRET>' \
--header 'module_secret: <YOUR_FINANCIAL_SERVICES_MODULE_SECRET>' \
--header 'provider_secret: <YOUR_PROVIDER_SECRET>' \
--header 'Content-Type: application/json' \
--data-raw '{
    "reference_id": "0000-0000-0000-0001",
    "name": "Joe Joseph",
    "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 Score fetched successfully",
  "data": {
    "CCRResponse": {
      "Status": "1",
      "CIRReportDataLst": [
        {
          "CIRReportData": {
            "IDAndContactInfo": {
              "PersonalInfo": {
                "Name": {
                  "FullName": "someone full name",
                  "FirstName": "someone first name",
                  "MiddleName": "someone middle name",
                  "LastName": "someone last name "
                },
                "DateOfBirth": "YYYY-MM-DD",
                "Gender": "Male",
                "Age": {
                  "Age": "35"
                },
                "TotalIncome": "16255"
              },
              "IdentityInfo": {
                "PANId": [
                  {
                    "seq": "1",
                    "ReportedDate": "2018-02-28",
                    "IdNumber": "XXXXXXXXXXX"
                  }
                ],
                "VoterID": [
                  {
                    "seq": "1",
                    "ReportedDate": "2018-02-28",
                    "IdNumber": "XXXXXXXXXXX"
                  }
                ],
                "NationalIDCard": [
                  {
                    "seq": "1",
                    "ReportedDate": "2018-02-28",
                    "IdNumber": "XXXXXXXXXXXX"
                  }
                ]
              },
              "AddressInfo": [
                {
                  "Seq": "1",
                  "ReportedDate": "2017-12-31",
                  "Address": "N A THEVAR STREET  OLYMBUS COIMBATORE SOUTH COIMBATORE SOUTH DISTRICT",
                  "State": "TN",
                  "Postal": "641045",
                  "Type": "Owns"
                },
                {
                  "Seq": "2",
                  "ReportedDate": "2017-03-31",
                  "Address": "NACHIANNAN ANGANNAN STREET  RAMANATHAPURAM COIMBATORE",
                  "State": "TN",
                  "Postal": "641045",
                  "Type": "Rents,Primary"
                },
                {
                  "Seq": "3",
                  "ReportedDate": "2017-01-31",
                  "Address": "NACHIYANNANAN KANNAN STREET  RAMANATHAPURAM COIMBATORE",
                  "State": "TN",
                  "Postal": "641045",
                  "Type": "Primary"
                },
                {
                  "Seq": "4",
                  "ReportedDate": "2016-09-16",
                  "Address": "NACHIANNAN ANGANNAN STREET  RAMANA THAPURAM RAMANATHAPURAM COIMBATORE",
                  "State": "TN",
                  "Postal": "641045"
                },
                {
                  "Seq": "5",
                  "ReportedDate": "2016-09-16",
                  "Address": "KIKANI EXPORT PVT LTD  104 WEST PERIASAMA Y ROAD  R S PRUAM COIMBATORE",
                  "State": "TN",
                  "Postal": "641045"
                }
              ],
              "PhoneInfo": [
                {
                  "seq": "1",
                  "typeCode": "H",
                  "ReportedDate": "2016-04-30",
                  "Number": "XXXXXXXX"
                },
                {
                  "seq": "2",
                  "typeCode": "H",
                  "ReportedDate": "2016-04-30",
                  "Number": "XXXXXXXX"
                },
                {
                  "seq": "3",
                  "typeCode": "M",
                  "ReportedDate": "2016-09-16",
                  "Number": "XXXXXXXXXX"
                },
                {
                  "seq": "4",
                  "typeCode": "M",
                  "ReportedDate": "2018-02-28",
                  "Number": "XXXXXXXXXX"
                },
                {
                  "seq": "5",
                  "typeCode": "T",
                  "ReportedDate": "2017-01-31",
                  "Number": "XXXXXXXXXX"
                }
              ],
              "EmailAddressInfo": [
                {
                  "seq": "1",
                  "ReportedDate": "2016-09-16",
                  "EmailAddress": "[email protected]"
                }
              ]
            },
            "RetailAccountDetails": [
              {
                "seq": "1",
                "AccountNumber": "XXXXXXXXXXXXX",
                "Institution": "Sundaram Finance",
                "AccountType": "Auto Loan",
                "OwnershipType": "Individual",
                "Balance": "155105",
                "LastPayment": "210000",
                "Open": "Yes",
                "SanctionAmount": "210000",
                "LastPaymentDate": "2018-02-12",
                "DateReported": "2018-02-28",
                "DateOpened": "2016-07-06",
                "RepaymentTenure": "48",
                "InstallmentAmount": "5540",
                "TermFrequency": "Monthly",
                "AccountStatus": "Current Account",
                "source": "INDIVIDUAL",
                "History48Months": [
                  {
                    "key": "02-18",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "*"
                  },
                  {
                    "key": "01-18",
                    "PaymentStatus": "01+",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "*"
                  },
                  {
                    "key": "12-17",
                    "PaymentStatus": "01+",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "*"
                  },
                  {
                    "key": "11-17",
                    "PaymentStatus": "01+",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "*"
                  },
                  {
                    "key": "10-17",
                    "PaymentStatus": "01+",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "*"
                  },
                  {
                    "key": "09-17",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "*"
                  },
                  {
                    "key": "08-17",
                    "PaymentStatus": "01+",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "*"
                  },
                  {
                    "key": "07-17",
                    "PaymentStatus": "01+",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "*"
                  },
                  {
                    "key": "06-17",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "*"
                  },
                  {
                    "key": "05-17",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "*"
                  },
                  {
                    "key": "04-17",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "*"
                  },
                  {
                    "key": "03-17",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "*"
                  },
                  {
                    "key": "02-17",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "*"
                  },
                  {
                    "key": "01-17",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "*"
                  },
                  {
                    "key": "12-16",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "*"
                  },
                  {
                    "key": "11-16",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "*"
                  },
                  {
                    "key": "10-16",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "*"
                  },
                  {
                    "key": "09-16",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "*"
                  },
                  {
                    "key": "08-16",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "*"
                  },
                  {
                    "key": "07-16",
                    "PaymentStatus": "NEW",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "*"
                  }
                ]
              },
              {
                "seq": "2",
                "AccountNumber": "XXXXXXXXXXXX",
                "Institution": "Andhra Bank",
                "AccountType": "Business Loan - Priority Sector- Small Business",
                "OwnershipType": "Individual",
                "Balance": "30296",
                "PastDueAmount": "0",
                "LastPayment": "1000",
                "Open": "Yes",
                "SanctionAmount": "45000",
                "LastPaymentDate": "2018-01-05",
                "DateReported": "2018-01-31",
                "DateOpened": "2016-04-30",
                "InterestRate": "8.9",
                "RepaymentTenure": "60",
                "InstallmentAmount": "994",
                "TermFrequency": "Monthly",
                "CollateralValue": "47000",
                "CollateralType": "Property",
                "AccountStatus": "Current Account",
                "AssetClassification": "Standard",
                "source": "INDIVIDUAL",
                "History48Months": [
                  {
                    "key": "01-18",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "STD"
                  },
                  {
                    "key": "12-17",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "STD"
                  },
                  {
                    "key": "11-17",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "STD"
                  },
                  {
                    "key": "10-17",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "STD"
                  },
                  {
                    "key": "09-17",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "STD"
                  },
                  {
                    "key": "08-17",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "STD"
                  },
                  {
                    "key": "07-17",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "STD"
                  },
                  {
                    "key": "06-17",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "STD"
                  },
                  {
                    "key": "05-17",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "STD"
                  },
                  {
                    "key": "04-17",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "STD"
                  },
                  {
                    "key": "03-17",
                    "PaymentStatus": "01+",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "STD"
                  },
                  {
                    "key": "02-17",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "STD"
                  },
                  {
                    "key": "01-17",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "STD"
                  },
                  {
                    "key": "12-16",
                    "PaymentStatus": "01+",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "STD"
                  },
                  {
                    "key": "11-16",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "STD"
                  },
                  {
                    "key": "10-16",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "STD"
                  },
                  {
                    "key": "09-16",
                    "PaymentStatus": "000",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "STD"
                  },
                  {
                    "key": "08-16",
                    "PaymentStatus": "01+",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "STD"
                  },
                  {
                    "key": "07-16",
                    "PaymentStatus": "01+",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "STD"
                  },
                  {
                    "key": "06-16",
                    "PaymentStatus": "30+",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "STD"
                  },
                  {
                    "key": "05-16",
                    "PaymentStatus": "01+",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "STD"
                  },
                  {
                    "key": "04-16",
                    "PaymentStatus": "NEW",
                    "SuitFiledStatus": "*",
                    "AssetClassificationStatus": "STD"
                  }
                ]
              }
            ],
            "RetailAccountsSummary": {
              "NoOfAccounts": "11",
              "NoOfActiveAccounts": "6",
              "NoOfWriteOffs": "0",
              "TotalPastDue": "2003.00",
              "SingleHighestCredit": "17455.00",
              "SingleHighestSanctionAmount": "210000.00",
              "TotalHighCredit": "17455.00",
              "AverageOpenBalance": "51565.83",
              "SingleHighestBalance": "155105.00",
              "NoOfPastDueAccounts": "1",
              "NoOfZeroBalanceAccounts": "0",
              "RecentAccount": "Business Loan - Priority Sector- Agriculture on 13-11-2017",
              "OldestAccount": "Consumer Loan on 06-05-2014",
              "TotalBalanceAmount": "309395.00",
              "TotalSanctionAmount": "356711.00",
              "TotalCreditLimit": "30000.0",
              "TotalMonthlyPaymentAmount": "6534.00"
            },
            "ScoreDetails": [
              {
                "Type": "ERS",
                "Version": "3.1",
                "Name": "Equifax Risk Score",
                "Value": "676",
                "ScoringElements": [
                  {
                    "type": "RES",
                    "seq": "1",
                    "Description": "Number of commercial trades"
                  },
                  {
                    "type": "RES",
                    "seq": "2",
                    "code": "7a",
                    "Description": "Delinquency or past due amount occurences"
                  },
                  {
                    "type": "RES",
                    "seq": "3",
                    "code": "2f",
                    "Description": "Vintage of trades"
                  },
                  {
                    "type": "RES",
                    "seq": "4",
                    "code": "10b",
                    "Description": "Number of business loan trades"
                  },
                  {
                    "type": "RES",
                    "seq": "5",
                    "code": "11a",
                    "Description": "Number of or lack of agri loan trades"
                  }
                ]
              }
            ],
            "Enquiries": [
              {
                "seq": "0",
                "Institution": "Swami Test Company",
                "Date": "2021-06-29",
                "Time": "10:42",
                "RequestPurpose": "00",
                "Amount": "21.6"
              },
              {
                "seq": "1",
                "Institution": "Swami Test Company",
                "Date": "2021-06-25",
                "Time": "22:37",
                "RequestPurpose": "00",
                "Amount": "21.6"
              }
            ],
            "EnquirySummary": {
              "Purpose": "ALL",
              "Total": "1659",
              "Past30Days": "29",
              "Past12Months": "33",
              "Past24Months": "1189",
              "Recent": "2021-06-29"
            },
            "OtherKeyInd": {
              "AgeOfOldestTrade": "85",
              "NumberOfOpenTrades": "0",
              "AllLinesEVERWritten": "0.00",
              "AllLinesEVERWrittenIn9Months": "0",
              "AllLinesEVERWrittenIn6Months": "0"
            },
            "RecentActivities": {
              "AccountsDeliquent": "0",
              "AccountsOpened": "0",
              "TotalInquiries": "30",
              "AccountsUpdated": "0"
            },
            "DimensionalVariables": {
              "TDA_MESMI_CC_PSDAMT_24": "0.0",
              "TDA_MESME_INS_PSDAMT_24": "0.0",
              "TDA_METSU_CC_PSDAMT_3": "0.0",
              "TDA_SUM_PF_PSDAMT_3": "0.0"
            }
          }
        }
      ]
    }
  }
}

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