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 TypeCode
HomeH
OfficeO
OthersX

Inquiry Purpose

Inquiry PurposeCode
BusinessLoanBL
ConsumerLoanCL
CreditCardCC
GoldLoanGL
HomeLoanHL
PersonalLoanPL

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"
                        }
                    }
                }
            ]
        }
    }
}