--- title: Credit Analytics CI Refresh Pull slug: api-marketplace/credit-analytics-ci-refresh-pull createdAt: 2026-06-29T13:59:33.239Z --- ## 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: :::CodeblockTabs preprod ```curl curl --location 'https://api-preproduction.signzy.app/api/v3/bureau/cibil-refresh-pull' \ --header 'Content-Type: application/json' \ --header 'Authorization: *******' \ --data '{ "reportNo": "2037712382" }' ``` prod ```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: :::CodeblockTabs 200 ```json { "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": "GURJAR.SUKHVINDRA@GMAIL.COM" }, { "index": "C02", "emailID": "SUKHVINDRAGURJAR.87@GMAIL.COM" }, { "index": "C03", "emailID": "SUKVINDERGUJJAR@GMAIL.COM" } ], "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", 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"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 |