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": "ABCDEF12345",
    "consent": true,
    "consent_purpose": "for bank verification only",
    "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"
                                }
                            ]
                        },
												"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"
                                    }
                                ]
                            }
                        ],
                        "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"
                        }
                    }
                }
            ]
        }
    }
}