Credit Analytics CR
Introduction:
The Credit Analytics CR Bureau Report API enables patrons to retrieve credit information from CRIF for a given individual using specified parameters such as phone number, PAN (Permanent Account Number), first name, and last name, date of birth, address, pincode, gender. This API is tailored to deliver analytics on comprehensive credit reports from CRIF, facilitating the assessment of an individual's creditworthiness.
Key Features
- Credit Information Retrieval: Patrons can access detailed analytics from credit reports from CRIF and a pdf report using parameters like PAN (Permanent Account Number), first name, and last name, date of birth, address, pincode, gender
Benefits
- Assessment of Creditworthiness: The API assists in evaluating an individual's creditworthiness by providing detailed analytics on credit reports from CRIF.
Conclusion
In summary, the Credit Analytics CR Bureau Report API offers a convenient solution for analytics on credit information from CRIF, aiding in the assessment of individuals' creditworthiness.
Sample Curl:
curl --location 'https://api.signzy.app/api/v3/bureau/crif' \
--header 'Content-Type: application/json' \
--header 'Authorization: <kong auth>' \
--data '
{
"phoneNumber": "phone number",
"pan": "pan number",
"firstName": "first name",
"lastName": "last name",
"dateOfBirth": "yyyy-mm-dd",
"pincode": "pin code",
"gender": "Male/Female",
"address": "coimbatore",
"consent": {
"consentFlag": true,
"consentTimestamp": 1690215946415,
"consentIpAddress": "192.168.0.1",
"consentMessageId": "CM_1"
}
}'Consent Message ID Mapping:
ID | Message |
|---|---|
CM_1 | I hereby consent that I am sharing my consent to signzy to collect my bureau report |

Parameter | Type | Mandatory/Optional | Description |
|---|---|---|---|
phoneNumber | String | Mandatory | The 10 digit phone number of the individual. |
pan | String | Mandatory | The PAN (Permanent Account Number) of the individual. PAN should be capitalised |
firstName | String | Mandatory | The first name of the individual. Maximum : 30 characters |
lastName | String | Mandatory | The last name of the individual. Maximum : 30 characters |
dateOfBirth | String | Mandatory | Date of Birth of the user. Format: yyyy-mm-dd |
gender | string | Mandatory | Male/Female/Others |
address | string | Mandatory | Address of the user |
pincode | String | Mandatory | Pincode of the user. |
consent | Object | Mandatory | Consent object by the user. |
consent[consentFlag] | Boolean | Mandatory | A boolean flag representing if consent is present or not. |
consent[consentTimestamp] | Number | Mandatory | Timestamp of the consent in seconds or milliseconds. |
consent[consentIpAddress] | String | Mandatory | Ip address of the user's device giving the consent. |
consent[consentMessageId] | String | Mandatory | "CM_1": 'I hereby consent that I am sharing my consent to signzy to collect my bureau report' |
Sample Response:
{
"statusCode": 200,
"message": "success",
"data": {
"crifReport": {
"INDV-REPORT-FILE": {
"INDV-REPORTS": [
{
"INDV-REPORT": {
"PERSONAL-INFO-VARIATION": {
"NAME-VARIATIONS": [
{ "VALUE": "XXXXX X", "REPORTED-DATE": "15-12-2024" },
{ "VALUE": "XXXXX S/O XXXXX", "REPORTED-DATE": "13-09-2019" }
],
"ADDRESS-VARIATIONS": [
{ "VALUE": "XXX XXXXX STREET XXXXX COIMBATORE 6410XX TN", "REPORTED-DATE": "31-05-2026" },
{ "VALUE": "NO XXX XXXXX STREET XXXXX COIMBATORE 6410XX TN", "REPORTED-DATE": "31-03-2024" }
],
"PAN-VARIATIONS": [
{ "VALUE": "XXXXX0000X", "REPORTED-DATE": "31-05-2026" }
],
"DRIVING-LICENSE-VARIATIONS": [],
"DATE-OF-BIRTH-VARIATIONS": [
{ "VALUE": "XX-XX-19XX", "REPORTED-DATE": "31-03-2020" },
{ "VALUE": "XX-XX-19XX", "REPORTED-DATE": "31-05-2026" }
],
"VOTER-ID-VARIATIONS": [
{ "VALUE": "XXXXXXXXXXXX", "REPORTED-DATE": "31-05-2026" },
{ "VALUE": "XXXXXXXXXX", "REPORTED-DATE": "31-05-2026" }
],
"PASSPORT-VARIATIONS": [],
"PHONE-NUMBER-VARIATIONS": [
{ "VALUE": "XXXXXXXXXX", "REPORTED-DATE": "31-12-2020" },
{ "VALUE": "XXXXXXXXXX", "REPORTED-DATE": "31-05-2026" }
],
"RATION-CARD-VARIATIONS": [],
"EMAIL-VARIATIONS": [
{ "VALUE": "[email protected]", "REPORTED-DATE": "31-05-2026" },
{ "VALUE": "[email protected]", "REPORTED-DATE": "15-01-2025" }
],
"NREGA-VARIATIONS": [],
"CKYC-VARIATIONS": [
{ "VALUE": "XXXXXXXXXXXXXX", "REPORTED-DATE": "31-03-2026" }
]
},
"ACCOUNTS-SUMMARY": {
"DERIVED-ATTRIBUTES": {
"INQUIRIES-IN-LAST-SIX-MONTHS": 0,
"LENGTH-OF-CREDIT-HISTORY-YEAR": 9,
"LENGTH-OF-CREDIT-HISTORY-MONTH": 2,
"AVERAGE-ACCOUNT-AGE-YEAR": 1,
"AVERAGE-ACCOUNT-AGE-MONTH": 10,
"NEW-ACCOUNTS-IN-LAST-SIX-MONTHS": 0,
"NEW-DELINQ-ACCOUNT-IN-LAST-SIX-MONTHS": 0,
"TOTAL-WRITTEN-OFF-ACCOUNTS": 0,
"TOTAL-RESTRUCTURED-ACCOUNTS": 0,
"TOTAL-SETTLED-ACCOUNTS": 3,
"TOTAL-WRITTEN-OFF-AMOUNT": "2,510",
"TOTAL-SETTLED-AMOUNT": "52,000"
},
"PRIMARY-ACCOUNTS-SUMMARY": {
"PRIMARY-NUMBER-OF-ACCOUNTS": 36,
"PRIMARY-ACTIVE-NUMBER-OF-ACCOUNTS": 4,
"PRIMARY-OVERDUE-NUMBER-OF-ACCOUNTS": 0,
"PRIMARY-SECURED-NUMBER-OF-ACCOUNTS": 14,
"PRIMARY-UNSECURED-NUMBER-OF-ACCOUNTS": 22,
"PRIMARY-UNTAGGED-NUMBER-OF-ACCOUNTS": 0,
"PRIMARY-CURRENT-BALANCE": "4,06,942",
"PRIMARY-SANCTIONED-AMOUNT": "4,19,000",
"PRIMARY-DISBURSED-AMOUNT": "4,19,000"
},
"SECONDARY-ACCOUNTS-SUMMARY": {
"SECONDARY-NUMBER-OF-ACCOUNTS": 0,
"SECONDARY-ACTIVE-NUMBER-OF-ACCOUNTS": 0,
"SECONDARY-OVERDUE-NUMBER-OF-ACCOUNTS": 0,
"SECONDARY-SECURED-NUMBER-OF-ACCOUNTS": 0,
"SECONDARY-UNSECURED-NUMBER-OF-ACCOUNTS": 0,
"SECONDARY-UNTAGGED-NUMBER-OF-ACCOUNTS": 0,
"SECONDARY-CURRENT-BALANCE": "0",
"SECONDARY-SANCTIONED-AMOUNT": "0",
"SECONDARY-DISBURSED-AMOUNT": "0"
}
},
"ALERTS": [
{ "ALERT-DESC": "NO" }
],
"SCORES": [
{
"SCORE-TYPE": "PERFORM CONSUMER 2.2",
"SCORE-VALUE": "690",
"SCORE-FACTORS": "SF02|SF08|SF11|SF33|"
}
],
"INQUIRY-HISTORY": [],
"RESPONSES": [
{
"LOAN-DETAILS": {
"ACCT-NUMBER": "XXXX",
"CREDIT-GUARANTOR": "NAB",
"ACCT-TYPE": "Credit Card",
"DATE-REPORTED": "25-07-2024",
"OWNERSHIP-IND": "Individual",
"ACCOUNT-STATUS": "Active",
"DISBURSED-AMT": "8,000",
"DISBURSED-DATE": "22-03-2017",
"LAST-PAYMENT-DATE": "08-07-2024",
"OVERDUE-AMT": "0",
"WRITE-OFF-AMT": "0",
"CURRENT-BAL": "15,269",
"CREDIT-LIMIT": "15,000",
"SECURITY-STATUS": "Un-secured",
"ORIGINAL-TERM": "1",
"ACCT-IN-DISPUTE": "",
"AMT-PAID-HISTORY": "Jul:2024,2,000|Jun:2024,|May:2024,|Apr:2024,|Mar:2024,1,098|...",
"COMBINED-PAYMENT-HISTORY": "Jul:2024,000/STD|Jun:2024,030/STD|May:2024,XXX/XXX|...",
"MATCHED-TYPE": "PRIMARY",
"CASH-LIMIT": "4,500",
"ACTUAL-PAYMENT": "2,000",
"PRINCIPAL-WRITE-OFF-AMT": "0",
"SECURITY-DETAILS": [],
"LINKED-ACCOUNTS": [],
"INTEREST-RATE": "2.5",
"OCCUPATION": "",
"INCOME-FREQUENCY": "Annual",
"INCOME-AMOUNT": "16,255"
}
}
],
"INDV-RESPONSES": {
"PRIMARY-SUMMARY": {
"NO-OF-DEFAULT-ACCOUNTS": 0,
"TOTAL-RESPONSES": 0,
"NO-OF-CLOSED-ACCOUNTS": 0,
"NO-OF-ACTIVE-ACCOUNTS": 0,
"NO-OF-OTHER-MFIS": 0,
"NO-OF-OWN-MFIS": 0,
"NO-OF-OTHER-ACTIVE-MFIS": 0,
"NO-OF-OWN-ACTIVE-MFIS": 0
},
"SECONDARY-SUMMARY": {
"NO-OF-DEFAULT-ACCOUNTS": 0,
"TOTAL-RESPONSES": 0,
"NO-OF-CLOSED-ACCOUNTS": 0,
"NO-OF-ACTIVE-ACCOUNTS": 0,
"NO-OF-OTHER-MFIS": 0,
"NO-OF-OWN-MFIS": 0,
"NO-OF-OTHER-ACTIVE-MFIS": 0,
"NO-OF-OWN-ACTIVE-MFIS": 0
},
"INDIVIDUAL-SUMMARY": {
"STATUS": "SUCCESS",
"TOTAL-RESPONSES": 0,
"NO-OF-OTHER-MFIS": 0,
"NO-OF-OTHER-ACTIVE-MFIS": 0,
"NO-OF-DEFAULT-ACCOUNTS": 0,
"NO-OF-CLOSED-ACCOUNTS": 0,
"NO-OF-ACTIVE-ACCOUNTS": 0,
"NO-OF-OWN-MFIS": 0,
"NO-OF-OWN-ACTIVE-MFIS": 0,
"OWN-MFI-INDECATOR": false
},
"DERIVED-ATTRIBUTES": {
"TOTAL-WRITTEN-OFF-ACCOUNTS": 0,
"TOTAL-RESTRUCTURED-ACCOUNTS": 0,
"TOTAL-WRITTEN-OFF-AMOUNT": "0"
},
"INDV-RESPONSE-LIST": {}
},
"ADDITIONAL-VARIABLES": {}
}
}
]
}
},
"crifPDF": "https://files.signzy.tech/api/files/{fileId}/download/{fileHash}.pdf"
}
}Exclusion Score for NTC customer

Exclusion Code | Description | Elaboration | Detailed Remarks |
|---|---|---|---|
10 |  | Deceased Person | For Deceased Person. |
11 | Not Scored: More than 50 Active Accounts found | This exclusion removes from scoring Inquiries having more than 50 contracts | This is a business exclusion. It serves to exclude brokers from scoring. |
12 | Not Scored: Cannot be classified | This exclusion removes from scoring Inquiries having data discrepancies. | This is statistical exclusion. It serves to exclude inquiries with data discrepancies from scoring since the accuracy of scoring model deteriorates when fed with inaccurate data. |
14 | Not Scored: Only a Guarantor | This exclusion removes from scoring Inquiries having only contracts as Guarantors | This is a business exclusion. Guarantors have a different responsibility towards accounts than individual / joint holders. |
15 | Not Scored: Sufficient History Not Available | This exclusion removes from scoring Inquiries having Too New To Rate (TNTR) 0-3 Good contracts | This is a statistical exclusion. Customer has only fresh trades (maximum 3 months vintage). |
16 | Not Scored: No Activity seen on the customer (Inactive) | This exclusion removes from scoring Inquiries having Inactive contracts. | This is both statistical and business exclusion. Customer is inactive in bureau. Ccustomer is having only cards/revolving contracts but not using them, data doesn’t provide any information on their payment behavior. |
17 | Not Scored: Not Enough Info available on the customer | This exclusion removes from scoring Inquiries having contracts with not enough information to be scored | This is a statistical exclusion. Customer has history but sparse reporting on trade lines. Typically less than 4 updates in last 36 months history. |
18 | Not Scored: No Updates available in last 36 months | This exclusion removes from scoring Inquiries having contracts with no updates in last 36 months | This is both statistical and business exclusions. Customer has no updates in 36 months (too old info). The predictive power of data diminishes substantially beyond 36 months. |

Status Codes:
CODE | MESSAGE |
|---|---|
200 | Request successful |
400 | Validation Error |
409 | Upstream is down |
500 | Server Side Error |
401 | Unauthorised Access |
429 | Too many Requests |
499 | Gateway Timeout |