Credit Analytics CI Refresh Pull
Introduction:
The Credit Analytics CI Refresh Pull API enables users to re-fetch the most recent analytics credit data by using the reportNo provided in prior responses from either the bureau-consent journey or Credit Analytics CI Bureau API. This ensures retrieval of up-to-date credit reports to accurately assess an individual's current creditworthiness for upto 6 months from the original user consent.
Benefits
- Assessment of Creditworthiness: The API assists in evaluating an individual's creditworthiness by providing detailed analytics on credit reports.
Conclusion
In summary, the Credit Analytics CI Refresh Pull API offers a convenient solution for providing detailed analytics from fresh credit information, aiding in the assessment of individuals' creditworthiness.
Sample Curl:
curl --location 'https://api.signzy.app/api/v3/bureau/cibil-refresh-pull' \
--header 'Content-Type: application/json' \
--header 'Authorization: *******' \
--data '{
"reportNo": "2037712382"
}'Input Parameters:
Parameter | Type | Description | Mandatory/Optional |
|---|---|---|---|
reportNo | String | The report No of the individual givin in the response header of Experian lite or report API. | Mandatory |

Sample Response:
{
"statusCode": 200,
"message": "SUCCESS",
"data": {
"CIBILReport": {
"controlData": {
"success": true
},
"consumerCreditData": [
{
"tuefHeader": {
"headerType": "TUEF",
"version": "12",
"subjectReturnCode": 1,
"dateProcessed": "29062026",
"timeProcessed": "145130",
"reportNumber": "1782724891314174"
},
"names": [
{
"index": "N01",
"name": "SUKHVINDRA SINGH SUKHVINDRA SINGH",
"birthDate": "20101987",
"gender": "2"
}
],
"ids": [
{
"index": "I01",
"idType": "01",
"idNumber": "FPKPS8995Q"
},
{
"index": "I02",
"idType": "02",
"idNumber": "L4689058"
},
{
"index": "I03",
"idType": "04",
"idNumber": "UP1120150004573"
},
{
"index": "I04",
"idType": "06",
"idNumber": "XXXXXXXXXXXX"
},
{
"index": "I05",
"idType": "09",
"idNumber": "20055346910213"
}
],
"telephones": [
{
"index": "T01",
"telephoneNumber": "09587296562",
"telephoneType": "00"
},
{
"index": "T02",
"telephoneNumber": "09587296562",
"telephoneType": "00"
},
{
"index": "T03",
"telephoneNumber": "919587296562",
"telephoneType": "01"
},
{
"index": "T04",
"telephoneNumber": "8630039091",
"telephoneType": "01"
}
],
"emails": [
{
"index": "C01",
"emailID": "[email protected]"
},
{
"index": "C02",
"emailID": "[email protected]"
},
{
"index": "C03",
"emailID": "[email protected]"
}
],
"employment": [
{
"index": "E01",
"accountType": "06",
"dateReported": "15062026"
}
],
"scores": [
{
"scoreName": "CIBILTUSC3",
"scoreCardName": "08",
"scoreCardVersion": "10",
"scoreDate": "29062026",
"score": "00608",
"reasonCodes": [
{
"reasonCodeName": "reasonCode1",
"reasonCodeValue": "07"
},
{
"reasonCodeName": "reasonCode2",
"reasonCodeValue": "03"
},
{
"reasonCodeName": "reasonCode3",
"reasonCodeValue": "08"
},
{
"reasonCodeName": "reasonCode4",
"reasonCodeValue": "02"
},
{
"reasonCodeName": "reasonCode5",
"reasonCodeValue": "04"
}
]
}
],
"addresses": [
{
"index": "A01",
"line1": "DAIKIN AIR CONDITIONING INDIA PVT.L",
"line2": "SP2-12 TO SP2-15& SP2-24 TO SP2-27",
"line3": "RICCO INDUSTRIAL ARES NEAR BY DAICHI",
"line4": "PVT.LIMITED",
"stateCode": "08",
"pinCode": "301705",
"addressCategory": "03",
"dateReported": "18012024"
},
{
"index": "A02",
"line1": "S/O: SOM SINGH HOUSE NO. 37 GANGOH MILL",
"line2": "ROAD NAYAGAV URF NAYA BANS NAYABANS",
"line3": "NEAR BY",
"stateCode": "09",
"pinCode": "247342",
"addressCategory": "01",
"dateReported": "18012024"
},
{
"index": "A03",
"line1": "C/O: SHIVCHARAN LAL ROOM NO-5 2ND FLOOR",
"line2": "KHANDELWAL BUILDING NEEMRANA ALWAR",
"line3": "NEAR BY JAIN MANDIR",
"stateCode": "08",
"pinCode": "301705",
"addressCategory": "02",
"dateReported": "18012024"
},
{
"index": "A04",
"line1": ",HOUSE NO 37, GANGOS MILL ROAD,",
"line2": "URF NAYA BANDH, DISTRICT SAHARANPUR,",
"line5": "NAKUR",
"stateCode": "09",
"pinCode": "247342",
"addressCategory": "02",
"residenceCode": "02",
"dateReported": "14112023"
}
],
"accounts": [
{
"index": "T001",
"memberShortName": "NOT DISCLOSED",
"accountType": "05",
"ownershipIndicator": 1,
"dateOpened": "26122022",
"lastPaymentDate": "02022023",
"dateReported": "23062026",
"highCreditAmount": 156000,
"currentBalance": 151729,
"amountOverdue": 603267,
"paymentHistory": "900900900900900900900900900900900883852822791759730686667639XXX575532509485450422394359317303254240212170149",
"history36Months": [
{
"key": "06-26",
"paymentStatus": "900 DPD"
},
{
"key": "05-26",
"paymentStatus": "900 DPD"
},
{
"key": "04-26",
"paymentStatus": "900 DPD"
},
{
"key": "03-26",
"paymentStatus": "900 DPD"
},
{
"key": "02-26",
"paymentStatus": "900 DPD"
},
{
"key": "01-26",
"paymentStatus": "900 DPD"
},
{
"key": "12-25",
"paymentStatus": "900 DPD"
},
{
"key": "11-25",
"paymentStatus": "900 DPD"
},
{
"key": "10-25",
"paymentStatus": "900 DPD"
},
{
"key": "09-25",
"paymentStatus": "900 DPD"
},
{
"key": "08-25",
"paymentStatus": "900 DPD"
},
{
"key": "07-25",
"paymentStatus": "883 DPD"
},
{
"key": "06-25",
"paymentStatus": "852 DPD"
},
{
"key": "05-25",
"paymentStatus": "822 DPD"
},
{
"key": "04-25",
"paymentStatus": "791 DPD"
},
{
"key": "03-25",
"paymentStatus": "759 DPD"
},
{
"key": "02-25",
"paymentStatus": "730 DPD"
},
{
"key": "01-25",
"paymentStatus": "686 DPD"
},
{
"key": "12-24",
"paymentStatus": "667 DPD"
},
{
"key": "11-24",
"paymentStatus": "639 DPD"
},
{
"key": "10-24",
"paymentStatus": "No History"
},
{
"key": "09-24",
"paymentStatus": "575 DPD"
},
{
"key": "08-24",
"paymentStatus": "532 DPD"
},
{
"key": "07-24",
"paymentStatus": "509 DPD"
},
{
"key": "06-24",
"paymentStatus": "485 DPD"
},
{
"key": "05-24",
"paymentStatus": "450 DPD"
},
{
"key": "04-24",
"paymentStatus": "422 DPD"
},
{
"key": "03-24",
"paymentStatus": "394 DPD"
},
{
"key": "02-24",
"paymentStatus": "359 DPD"
},
{
"key": "01-24",
"paymentStatus": "317 DPD"
},
{
"key": "12-23",
"paymentStatus": "303 DPD"
},
{
"key": "11-23",
"paymentStatus": "254 DPD"
},
{
"key": "10-23",
"paymentStatus": "240 DPD"
},
{
"key": "09-23",
"paymentStatus": "212 DPD"
},
{
"key": "08-23",
"paymentStatus": "170 DPD"
},
{
"key": "07-23",
"paymentStatus": "149 DPD"
}
],
"paymentStartDate": "01062026",
"paymentEndDate": "01072023",
"suitFiled": "01",
"paymentFrequency": "03"
},
{
"index": "T002",
"memberShortName": "NOT DISCLOSED",
"accountType": "05",
"ownershipIndicator": 1,
"dateOpened": "26122022",
"lastPaymentDate": "02022023",
"dateReported": "11122025",
"highCreditAmount": 156000,
"currentBalance": 151729,
"amountOverdue": 528013,
"paymentHistory": "091",
"history36Months": [
{
"key": "12-25",
"paymentStatus": "91 DPD"
}
],
"paymentStartDate": "01122025",
"paymentEndDate": "01122025",
"suitFiled": "01",
"paymentFrequency": "03"
},
{
"index": "T003",
"memberShortName": "NOT DISCLOSED",
"accountType": "10",
"ownershipIndicator": 1,
"dateOpened": "28032022",
"lastPaymentDate": "11042023",
"dateReported": "15062026",
"highCreditAmount": 143604,
"currentBalance": 143604,
"amountOverdue": 126531,
"paymentHistory": "900900900900900900900900900900854840809779748718687659628597567536505475443414383352322293263244214183153122",
"history36Months": [
{
"key": "06-26",
"paymentStatus": "900 DPD"
},
{
"key": "05-26",
"paymentStatus": "900 DPD"
},
{
"key": "04-26",
"paymentStatus": "900 DPD"
},
{
"key": "03-26",
"paymentStatus": "900 DPD"
},
{
"key": "02-26",
"paymentStatus": "900 DPD"
},
{
"key": "01-26",
"paymentStatus": "900 DPD"
},
{
"key": "12-25",
"paymentStatus": "900 DPD"
},
{
"key": "11-25",
"paymentStatus": "900 DPD"
},
{
"key": "10-25",
"paymentStatus": "900 DPD"
},
{
"key": "09-25",
"paymentStatus": "900 DPD"
},
{
"key": "08-25",
"paymentStatus": "854 DPD"
},
{
"key": "07-25",
"paymentStatus": "840 DPD"
},
{
"key": "06-25",
"paymentStatus": "809 DPD"
},
{
"key": "05-25",
"paymentStatus": "779 DPD"
},
{
"key": "04-25",
"paymentStatus": "748 DPD"
},
{
"key": "03-25",
"paymentStatus": "718 DPD"
},
{
"key": "02-25",
"paymentStatus": "687 DPD"
},
{
"key": "01-25",
"paymentStatus": "659 DPD"
},
{
"key": "12-24",
"paymentStatus": "628 DPD"
},
{
"key": "11-24",
"paymentStatus": "597 DPD"
},
{
"key": "10-24",
"paymentStatus": "567 DPD"
},
{
"key": "09-24",
"paymentStatus": "536 DPD"
},
{
"key": "08-24",
"paymentStatus": "505 DPD"
},
{
"key": "07-24",
"paymentStatus": "475 DPD"
},
{
"key": "06-24",
"paymentStatus": "443 DPD"
},
{
"key": "05-24",
"paymentStatus": "414 DPD"
},
{
"key": "04-24",
"paymentStatus": "383 DPD"
},
{
"key": "03-24",
"paymentStatus": "352 DPD"
},
{
"key": "02-24",
"paymentStatus": "322 DPD"
},
{
"key": "01-24",
"paymentStatus": "293 DPD"
},
{
"key": "12-23",
"paymentStatus": "263 DPD"
},
{
"key": "11-23",
"paymentStatus": "244 DPD"
},
{
"key": "10-23",
"paymentStatus": "214 DPD"
},
{
"key": "09-23",
"paymentStatus": "183 DPD"
},
{
"key": "08-23",
"paymentStatus": "153 DPD"
},
{
"key": "07-23",
"paymentStatus": "122 DPD"
}
],
"paymentStartDate": "01062026",
"paymentEndDate": "01072023",
"creditFacilityStatus": "02",
"creditLimit": 145000,
"paymentFrequency": "03"
},
{
"index": "T004",
"memberShortName": "NOT DISCLOSED",
"accountType": "10",
"ownershipIndicator": 1,
"dateOpened": "23082020",
"lastPaymentDate": "22012024",
"dateReported": "15062026",
"highCreditAmount": 97754,
"currentBalance": 97755,
"amountOverdue": 97755,
"paymentHistory": "900900897866836807776746715685654623180180180180180180190190190190190190190183153123XXX093063033003000000000",
"history36Months": [
{
"key": "06-26",
"paymentStatus": "900 DPD"
},
{
"key": "05-26",
"paymentStatus": "900 DPD"
},
{
"key": "04-26",
"paymentStatus": "897 DPD"
},
{
"key": "03-26",
"paymentStatus": "866 DPD"
},
{
"key": "02-26",
"paymentStatus": "836 DPD"
},
{
"key": "01-26",
"paymentStatus": "807 DPD"
},
{
"key": "12-25",
"paymentStatus": "776 DPD"
},
{
"key": "11-25",
"paymentStatus": "746 DPD"
},
{
"key": "10-25",
"paymentStatus": "715 DPD"
},
{
"key": "09-25",
"paymentStatus": "685 DPD"
},
{
"key": "08-25",
"paymentStatus": "654 DPD"
},
{
"key": "07-25",
"paymentStatus": "623 DPD"
},
{
"key": "06-25",
"paymentStatus": "180+ DPD"
},
{
"key": "05-25",
"paymentStatus": "180+ DPD"
},
{
"key": "04-25",
"paymentStatus": "180+ DPD"
},
{
"key": "03-25",
"paymentStatus": "180+ DPD"
},
{
"key": "02-25",
"paymentStatus": "180+ DPD"
},
{
"key": "01-25",
"paymentStatus": "180+ DPD"
},
{
"key": "12-24",
"paymentStatus": "190 DPD"
},
{
"key": "11-24",
"paymentStatus": "190 DPD"
},
{
"key": "10-24",
"paymentStatus": "190 DPD"
},
{
"key": "09-24",
"paymentStatus": "190 DPD"
},
{
"key": "08-24",
"paymentStatus": "190 DPD"
},
{
"key": "07-24",
"paymentStatus": "190 DPD"
},
{
"key": "06-24",
"paymentStatus": "190 DPD"
},
{
"key": "05-24",
"paymentStatus": "183 DPD"
},
{
"key": "04-24",
"paymentStatus": "153 DPD"
},
{
"key": "03-24",
"paymentStatus": "123 DPD"
},
{
"key": "02-24",
"paymentStatus": "No History"
},
{
"key": "01-24",
"paymentStatus": "93 DPD"
},
{
"key": "12-23",
"paymentStatus": "63 DPD"
},
{
"key": "11-23",
"paymentStatus": "33 DPD"
},
{
"key": "10-23",
"paymentStatus": "3 DPD"
},
{
"key": "09-23",
"paymentStatus": "0 DPD"
},
{
"key": "08-23",
"paymentStatus": "0 DPD"
},
{
"key": "07-23",
"paymentStatus": "0 DPD"
}
],
"paymentStartDate": "01062026",
"paymentEndDate": "01072023",
"creditFacilityStatus": "02",
"creditLimit": 120000,
"cashLimit": 24000,
"woAmountTotal": 97755,
"woAmountPrincipal": 62610,
"paymentFrequency": "03"
},
{
"index": "T005",
"memberShortName": "NOT DISCLOSED",
"accountType": "10",
"ownershipIndicator": 1,
"dateOpened": "12022016",
"lastPaymentDate": "27022024",
"dateReported": "15062026",
"highCreditAmount": 547306,
"currentBalance": 545015,
"amountOverdue": 504019,
"paymentHistory": "900900900900900900900900900895848834803773742712681653622591561530499469437408377346316287257238208177147116",
"history36Months": [
{
"key": "06-26",
"paymentStatus": "900 DPD"
},
{
"key": "05-26",
"paymentStatus": "900 DPD"
},
{
"key": "04-26",
"paymentStatus": "900 DPD"
},
{
"key": "03-26",
"paymentStatus": "900 DPD"
},
{
"key": "02-26",
"paymentStatus": "900 DPD"
},
{
"key": "01-26",
"paymentStatus": "900 DPD"
},
{
"key": "12-25",
"paymentStatus": "900 DPD"
},
{
"key": "11-25",
"paymentStatus": "900 DPD"
},
{
"key": "10-25",
"paymentStatus": "900 DPD"
},
{
"key": "09-25",
"paymentStatus": "895 DPD"
},
{
"key": "08-25",
"paymentStatus": "848 DPD"
},
{
"key": "07-25",
"paymentStatus": "834 DPD"
},
{
"key": "06-25",
"paymentStatus": "803 DPD"
},
{
"key": "05-25",
"paymentStatus": "773 DPD"
},
{
"key": "04-25",
"paymentStatus": "742 DPD"
},
{
"key": "03-25",
"paymentStatus": "712 DPD"
},
{
"key": "02-25",
"paymentStatus": "681 DPD"
},
{
"key": "01-25",
"paymentStatus": "653 DPD"
},
{
"key": "12-24",
"paymentStatus": "622 DPD"
},
{
"key": "11-24",
"paymentStatus": "591 DPD"
},
{
"key": "10-24",
"paymentStatus": "561 DPD"
},
{
"key": "09-24",
"paymentStatus": "530 DPD"
},
{
"key": "08-24",
"paymentStatus": "499 DPD"
},
{
"key": "07-24",
"paymentStatus": "469 DPD"
},
{
"key": "06-24",
"paymentStatus": "437 DPD"
},
{
"key": "05-24",
"paymentStatus": "408 DPD"
},
{
"key": "04-24",
"paymentStatus": "377 DPD"
},
{
"key": "03-24",
"paymentStatus": "346 DPD"
},
{
"key": "02-24",
"paymentStatus": "316 DPD"
},
{
"key": "01-24",
"paymentStatus": "287 DPD"
},
{
"key": "12-23",
"paymentStatus": "257 DPD"
},
{
"key": "11-23",
"paymentStatus": "238 DPD"
},
{
"key": "10-23",
"paymentStatus": "208 DPD"
},
{
"key": "09-23",
"paymentStatus": "177 DPD"
},
{
"key": "08-23",
"paymentStatus": "147 DPD"
},
{
"key": "07-23",
"paymentStatus": "116 DPD"
}
],
"paymentStartDate": "01062026",
"paymentEndDate": "01072023",
"creditFacilityStatus": "02",
"creditLimit": 225000,
"cashLimit": 20000,
"paymentTenure": 12,
"emiAmount": 952,
"paymentFrequency": "03"
},
{
"index": "T006",
"memberShortName": "NOT DISCLOSED",
"accountType": "06",
"ownershipIndicator": 1,
"dateOpened": "28082025",
"lastPaymentDate": "30042026",
"dateReported": "15062026",
"highCreditAmount": 4478,
"currentBalance": 0,
"paymentHistory": "000000000000000000000000000000000",
"history36Months": [
{
"key": "06-26",
"paymentStatus": "0 DPD"
},
{
"key": "05-26",
"paymentStatus": "0 DPD"
},
{
"key": "04-26",
"paymentStatus": "0 DPD"
},
{
"key": "03-26",
"paymentStatus": "0 DPD"
},
{
"key": "02-26",
"paymentStatus": "0 DPD"
},
{
"key": "01-26",
"paymentStatus": "0 DPD"
},
{
"key": "12-25",
"paymentStatus": "0 DPD"
},
{
"key": "11-25",
"paymentStatus": "0 DPD"
},
{
"key": "10-25",
"paymentStatus": "0 DPD"
},
{
"key": "09-25",
"paymentStatus": "0 DPD"
},
{
"key": "08-25",
"paymentStatus": "0 DPD"
}
],
"paymentStartDate": "01062026",
"paymentEndDate": "01082025",
"collateralType": "00",
"paymentFrequency": "03"
},
{
"index": "T007",
"memberShortName": "NOT DISCLOSED",
"accountType": "69",
"ownershipIndicator": 1,
"dateOpened": "15012023",
"lastPaymentDate": "01012024",
"dateClosed": "15032024",
"dateReported": "31052024",
"highCreditAmount": 20000,
"currentBalance": 0,
"paymentHistory": "000000000000000000000000000000000000000000000000000",
"history36Months": [
{
"key": "05-24",
"paymentStatus": "0 DPD"
},
{
"key": "04-24",
"paymentStatus": "0 DPD"
},
{
"key": "03-24",
"paymentStatus": "0 DPD"
},
{
"key": "02-24",
"paymentStatus": "0 DPD"
},
{
"key": "01-24",
"paymentStatus": "0 DPD"
},
{
"key": "12-23",
"paymentStatus": "0 DPD"
},
{
"key": "11-23",
"paymentStatus": "0 DPD"
},
{
"key": "10-23",
"paymentStatus": "0 DPD"
},
{
"key": "09-23",
"paymentStatus": "0 DPD"
},
{
"key": "08-23",
"paymentStatus": "0 DPD"
},
{
"key": "07-23",
"paymentStatus": "0 DPD"
},
{
"key": "06-23",
"paymentStatus": "0 DPD"
},
{
"key": "05-23",
"paymentStatus": "0 DPD"
},
{
"key": "04-23",
"paymentStatus": "0 DPD"
},
{
"key": "03-23",
"paymentStatus": "0 DPD"
},
{
"key": "02-23",
"paymentStatus": "0 DPD"
},
{
"key": "01-23",
"paymentStatus": "0 DPD"
}
],
"paymentStartDate": "01052024",
"paymentEndDate": "01012023"
},
{
"index": "T008",
"memberShortName": "NOT DISCLOSED",
"accountType": "05",
"ownershipIndicator": 1,
"dateOpened": "03082022",
"lastPaymentDate": "10122023",
"dateClosed": "15122023",
"dateReported": "31122023",
"highCreditAmount": 254725,
"currentBalance": 0,
"paymentHistory": "000274244213183152121091060030000000000000000000000",
"history36Months": [
{
"key": "12-23",
"paymentStatus": "0 DPD"
},
{
"key": "11-23",
"paymentStatus": "274 DPD"
},
{
"key": "10-23",
"paymentStatus": "244 DPD"
},
{
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"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "08",
"enquiryAmount": 4500
},
{
"index": "I021",
"enquiryDate": "12052025",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "13",
"enquiryAmount": 70000
},
{
"index": "I022",
"enquiryDate": "07052025",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "10",
"enquiryAmount": 1000
},
{
"index": "I023",
"enquiryDate": "05052025",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "10",
"enquiryAmount": 1000
},
{
"index": "I024",
"enquiryDate": "29042025",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "01",
"enquiryAmount": 89456
},
{
"index": "I025",
"enquiryDate": "27022025",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "01",
"enquiryAmount": 89456
},
{
"index": "I026",
"enquiryDate": "18022025",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "01",
"enquiryAmount": 89456
},
{
"index": "I027",
"enquiryDate": "16012025",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "05",
"enquiryAmount": 1
},
{
"index": "I028",
"enquiryDate": "24122024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "05",
"enquiryAmount": 1
},
{
"index": "I029",
"enquiryDate": "07122024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "05",
"enquiryAmount": 1
},
{
"index": "I030",
"enquiryDate": "06122024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "10",
"enquiryAmount": 49500
},
{
"index": "I031",
"enquiryDate": "05122024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "03",
"enquiryAmount": 5000000
},
{
"index": "I032",
"enquiryDate": "04122024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "03",
"enquiryAmount": 2900000
},
{
"index": "I033",
"enquiryDate": "28112024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "17",
"enquiryAmount": 3500000
},
{
"index": "I034",
"enquiryDate": "19102024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "10",
"enquiryAmount": 1000
},
{
"index": "I035",
"enquiryDate": "16102024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "17",
"enquiryAmount": 3500000
},
{
"index": "I036",
"enquiryDate": "15102024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "10",
"enquiryAmount": 600000
},
{
"index": "I037",
"enquiryDate": "11102024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "05",
"enquiryAmount": 1
},
{
"index": "I038",
"enquiryDate": "19092024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "05",
"enquiryAmount": 1
},
{
"index": "I039",
"enquiryDate": "05092024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "03",
"enquiryAmount": 26390000
},
{
"index": "I040",
"enquiryDate": "02092024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "03",
"enquiryAmount": 6250000
},
{
"index": "I041",
"enquiryDate": "20082024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "10",
"enquiryAmount": 49500
},
{
"index": "I042",
"enquiryDate": "16082024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "10",
"enquiryAmount": 49500
},
{
"index": "I043",
"enquiryDate": "13082024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "10",
"enquiryAmount": 49500
},
{
"index": "I044",
"enquiryDate": "12082024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "10",
"enquiryAmount": 49500
},
{
"index": "I045",
"enquiryDate": "11082024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "10",
"enquiryAmount": 49500
},
{
"index": "I046",
"enquiryDate": "11082024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "03",
"enquiryAmount": 2334567
},
{
"index": "I047",
"enquiryDate": "09082024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "10",
"enquiryAmount": 49500
},
{
"index": "I048",
"enquiryDate": "16072024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "10",
"enquiryAmount": 1000
},
{
"index": "I049",
"enquiryDate": "11072024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "10",
"enquiryAmount": 1000
},
{
"index": "I050",
"enquiryDate": "01072024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "01",
"enquiryAmount": 100000
},
{
"index": "I051",
"enquiryDate": "20062024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "00",
"enquiryAmount": 10000
},
{
"index": "I052",
"enquiryDate": "27032024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "10",
"enquiryAmount": 49500
},
{
"index": "I053",
"enquiryDate": "06032024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "10",
"enquiryAmount": 100000
},
{
"index": "I054",
"enquiryDate": "05032024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "02",
"enquiryAmount": 2000000
},
{
"index": "I055",
"enquiryDate": "07022024",
"memberShortName": "LICENCECANCELLED",
"enquiryPurpose": "05",
"enquiryAmount": 500000
},
{
"index": "I056",
"enquiryDate": "31012024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "03",
"enquiryAmount": 2500000
},
{
"index": "I057",
"enquiryDate": "21012024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "10",
"enquiryAmount": 1000
},
{
"index": "I058",
"enquiryDate": "17012024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "10",
"enquiryAmount": 1000
},
{
"index": "I059",
"enquiryDate": "02012024",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "03",
"enquiryAmount": 3000000
},
{
"index": "I060",
"enquiryDate": "20122023",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "03",
"enquiryAmount": 1200000
},
{
"index": "I061",
"enquiryDate": "08122023",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "10",
"enquiryAmount": 1000
},
{
"index": "I062",
"enquiryDate": "28112023",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "03",
"enquiryAmount": 7000000
},
{
"index": "I063",
"enquiryDate": "10112023",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "03",
"enquiryAmount": 5000000
},
{
"index": "I064",
"enquiryDate": "02112023",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "03",
"enquiryAmount": 5000000
},
{
"index": "I065",
"enquiryDate": "31102023",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "10",
"enquiryAmount": 100000
},
{
"index": "I066",
"enquiryDate": "26102023",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "03",
"enquiryAmount": 8000000
},
{
"index": "I067",
"enquiryDate": "23102023",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "01",
"enquiryAmount": 144000
},
{
"index": "I068",
"enquiryDate": "21102023",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "03",
"enquiryAmount": 10000000
},
{
"index": "I069",
"enquiryDate": "18102023",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "08",
"enquiryAmount": 49500
},
{
"index": "I070",
"enquiryDate": "11102023",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "03",
"enquiryAmount": 10000000
},
{
"index": "I071",
"enquiryDate": "09102023",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "03",
"enquiryAmount": 10000000
},
{
"index": "I072",
"enquiryDate": "22092023",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "08",
"enquiryAmount": 49500
},
{
"index": "I073",
"enquiryDate": "22082023",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "10",
"enquiryAmount": 100000
},
{
"index": "I074",
"enquiryDate": "17082023",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "10",
"enquiryAmount": 1000
},
{
"index": "I075",
"enquiryDate": "08082023",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "03",
"enquiryAmount": 2500000
},
{
"index": "I076",
"enquiryDate": "18072023",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "10",
"enquiryAmount": 1000
},
{
"index": "I077",
"enquiryDate": "26062023",
"memberShortName": "NOT DISCLOSED",
"enquiryPurpose": "03",
"enquiryAmount": 2500000
}
]
}
],
"consumerSummaryData": {
"accountSummary": {
"totalAccounts": 15,
"overdueAccounts": 5,
"zeroBalanceAccounts": 10,
"highCreditAmount": 2555016,
"currentBalance": 1089832,
"overdueBalance": 1859585,
"recentDateOpened": "28082025",
"oldestDateOpened": "12022016"
},
"inquirySummary": {
"totalInquiry": 77,
"inquiryPast30Days": 2,
"inquiryPast12Months": 14,
"inquiryPast24Months": 34,
"recentInquiryDate": "15062026"
}
}
},
"CIBILPDF": "https://files.signzy.tech/api/files/5133102/download/40795e8d6e8447618adfb287af1b17f5f201c0331cdb4b058c86348941a041bb.pdf"
}
}Score Details
Credit scores are in the 300-900 range only. This is based on last 36 months credit history of the user.
- Presence of atleast on trade on the bureau in the last 36 months.
- Higher the score, lower the risk.
NTC is -1 to 11. where the user is New to Credit.
- The individual has no trade & is not reported on the bureau.
- The individual has no trades & has only been enquired upon.
- The individual has trades on the bureau, but all have been reported 36 months prior to the report pulling date.
- The individual has only Add-On Card trades and/or only Guarantor trades.
Imputed NTC scores are in the 100-200 range. These imputed scores are based on demographic details available with the Bureau. This is new release to enahnce NTC users. they provide an imputed score in the range of 100-200.
- The score effectively predicts the risk of a New to credit borrower whether a borrower is likely to default (90+ DPD) on tradeline in the next 12 months.
- The score has a range of 100 - 200, with higher score indicating better (lower) credit risk.
Status Codes:
CODE | MESSAGE |
|---|---|
200 | Request successful |
400 | Validation Error |
409 | Upstream is down |
500/5XX | Server Side Error |
404 | Report No not found. |
401 | Unauthorised Access |
499 | Gateway Timeout |
429 | Too many requests |