Credit Analytics EQ Lite
Introduction:
The Credit Analytics EQ Lite Bureau Report API enables patrons to retrieve enhanced credit Analytics from for a given individual using specified parameters such as phone number, PAN (Permanent Account Number), first name, and last name. This API is tailored to deliver enhanced credit reports, facilitating the assessment of an individual's creditworthiness.
Key Features
- Credit Information Retrieval: Patrons can access detailed credit analytics using two methods
- Method 1: Phone number + Name + PAN (optional)
- Method 2: Phone number + Name + PAN + DOB + Address + Pincode
Benefits
- Assessment of Creditworthiness: The API assists in evaluating an individual's creditworthiness by providing detailed credit reports.
Conclusion
In summary, the Credit Analytics EQ Bureau Report API offers a convenient solution for fetching credit analytics, aiding in the assessment of individuals' creditworthiness.
Sample Curl:
curl --location 'https://api-preproduction.signzy.app/api/v3/bureau/equifax-lite' \
--header 'Content-Type: application/json' \
--header 'Authorization: *******' \
--data '{
"phoneNumber": "1234567890",
"name": "Con Junktivitas",
"dateOfBirth": "1988-02-16",
"pan": "ABCDE6226B",
"address": "*********",
"state": "KA",
"pincode": "******",
"consent": {
"consentFlag": true,
"consentTimestamp": ***********,
"consentIpAddress": "*****",
"consentMessageId": "CM_1"
}
}'Input Parameters:
Parameter | Type | Mandatory/Optional | Description |
|---|---|---|---|
phoneNumber | Number | Mandatory | The phone number of the individual for whom the Equifax report is requested. |
pan | String | Optional | The PAN (Permanent Account Number) of the individual. |
name | String | Mandatory | The name of the individual. |
dateOfBirth | String | Optional | Date of Birth of the user yyyy-mm-dd |
address | String | Optional | Address of the user |
state | String | Optional | State of the user |
pincode | String | Optional | pincode of the user |
consent | Object | Optional | |
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' |
Score of NTC customers
Score = -1 indicates insufficient information available on the user in the last 36 months to attribute a credit score.
State Mapping:
Value | Description | Pincode Range (First 3 Numbers) |
|---|---|---|
AN | Andaman & Nicobar Islands | 744 |
AP | Andhra Pradesh | 500 - 535 |
AR | Arunachal Pradesh | 790 - 792 |
AS | Assam | 781 - 788 |
BR | Bihar | 800 - 855 |
CG | Chhattisgarh | 490 - 497 |
CH | Chandigarh | 160 |
DD | Daman & Diu | 362, 396 |
DL | Delhi | 110 |
DN | Dadra & Nagar Haveli | 396 |
GA | Goa | 403 |
GJ | Gujarat | 360 - 396 |
HP | Himachal Pradesh | 171 - 177 |
HR | Haryana | 121 - 136 |
JH | Jharkhand | 813 - 835 |
JK | Jammu & Kashmir | 180 - 194 |
KA | Karnataka | 560 - 591 |
KL | Kerala | 670 - 695 |
LD | Lakshadweep | 682 |
MH | Maharashtra | 400 - 445 |
ML | Meghalaya | 793 - 794 |
MN | Manipur | 795 |
MP | Madhya Pradesh | 450 - 488 |
MZ | Mizoram | 796 |
NL | Nagaland | 797 - 798 |
OR | Odisha | 751 - 770 |
PB | Punjab | 140 - 160 |
PY | Pondicherry/Puducherry | 533, 605, 607, 609 |
RJ | Rajasthan | 301 - 345 |
SK | Sikkim | 737 |
TG | Telangana | 500 - 509 |
TN | Tamil Nadu | 600 - 643 |
TR | Tripura | 799 |
UL | Uttarakhand | 244 - 263 |
UP | Uttar Pradesh | 201 - 285 |
WB | West Bengal | 700 - 743 |
Sample Response:
{
"statusCode": 200,
"message": "Success",
"data": {
"equifaxReport": {
"IDAndContactInfo": {
"PersonalInfo": {
"Name": {
"FullName": "SATHISH KUMAR ",
"FirstName": "SATHISH ",
"LastName": "KUMAR "
},
" AliasName": {},
"DateOfBirth": "1986-06-03",
"Gender": "Male",
"Age": {
"Age": "37"
},
"PlaceOfBirthInfo": {},
"TotalIncome": "16255",
"Occupation": "SALARIED"
},
"IdentityInfo": {
"PANId": [
{
"seq": "1",
"ReportedDate": "2016-04-30",
"IdNumber": "BUXPS2681D"
}
],
"VoterID": [
{
"seq": "1",
"ReportedDate": "2016-04-30",
"IdNumber": "ROG0032698"
}
],
"NationalIDCard": [
{
"seq": "1",
"ReportedDate": "2018-02-28",
"IdNumber": "XXXXXXXXXXXX"
}
]
},
"AddressInfo": [
{
"Seq": "1",
"ReportedDate": "2017-12-31",
"Address": "223 N A THEVAR STREET OLYMBUS COIMBATORE SOUTH COIMBATORE SOUTH DISTRICT",
"State": "TN",
"Postal": "641045",
"Type": "Owns"
},
{
"Seq": "2",
"ReportedDate": "2017-03-31",
"Address": "223 NACHIANNAN ANGANNAN STREET RAMANATHAPURAM COIMBATORE",
"State": "TN",
"Postal": "641045",
"Type": "Rents,Primary"
},
{
"Seq": "3",
"ReportedDate": "2016-09-16",
"Address": "NO-223 NACHIANNAN ANGANNAN STREET RAMANA THAPURAM RAMANATHAPURAM COIMBATORE",
"State": "TN",
"Postal": "641045"
},
{
"Seq": "4",
"ReportedDate": "2016-09-16",
"Address": "KIKANI EXPORT PVT LTD 104 WEST PERIASAMA Y ROAD R S PRUAM COIMBATORE",
"State": "TN",
"Postal": "641045"
},
{
"Seq": "5",
"ReportedDate": "2016-04-30",
"Address": "223 NACHIANNAN ANGANNAN STREET RAMANATHAPURAM COIMBATORE CBE COIMBATORE",
"State": "TN",
"Postal": "641045",
"Type": "Owns,Primary"
}
],
"PhoneInfo": [
{
"seq": "1",
"typeCode": "H",
"ReportedDate": "2016-04-30",
"Number": "9787772762"
},
{
"seq": "2",
"typeCode": "H",
"ReportedDate": "2016-04-30",
"Number": "02540804"
},
{
"seq": "3",
"typeCode": "M",
"ReportedDate": "2016-04-30",
"Number": "918122244473"
},
{
"seq": "4",
"typeCode": "M",
"ReportedDate": "2016-09-16",
"Number": "9842372492"
},
{
"seq": "5",
"typeCode": "T",
"ReportedDate": "2017-01-31",
"Number": "9047052224"
}
],
"EmailAddressInfo": [
{
"seq": "1",
"ReportedDate": "2016-09-16",
"EmailAddress": "[email protected]"
}
]
},
"RetailAccountDetails": [
{
"seq": "1",
"AccountNumber": "XXXXXX0538",
"Institution": "Sundaram Finance",
"AccountType": "Auto Loan",
"OwnershipType": "Individual",
"Balance": "155105",
"LastPayment": "210000",
"Open": "Yes",
"SanctionAmount": "210000",
"LastPaymentDate": "2018-02-12",
"DateReported": "2018-02-28",
"DateOpened": "2016-07-06",
"RepaymentTenure": "48",
"InstallmentAmount": "5540",
"TermFrequency": "Monthly",
"AccountStatus": "Current Account",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "02-18",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "01-18",
"PaymentStatus": "01+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "12-17",
"PaymentStatus": "01+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "11-17",
"PaymentStatus": "01+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "10-17",
"PaymentStatus": "01+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "09-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "08-17",
"PaymentStatus": "01+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "07-17",
"PaymentStatus": "01+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "06-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "05-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "04-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "03-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "02-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "01-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "12-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "11-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "10-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "09-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "08-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "07-16",
"PaymentStatus": "NEW",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
}
]
},
{
"seq": "2",
"AccountNumber": "XXXXXXXXXXX1818",
"Institution": "Andhra Bank",
"AccountType": "Business Loan - Priority Sector- Small Business",
"OwnershipType": "Individual",
"Balance": "30296",
"PastDueAmount": "0",
"LastPayment": "1000",
"Open": "Yes",
"SanctionAmount": "45000",
"LastPaymentDate": "2018-01-05",
"DateReported": "2018-01-31",
"DateOpened": "2016-04-30",
"InterestRate": "8.90",
"RepaymentTenure": "60",
"InstallmentAmount": "994",
"TermFrequency": "Monthly",
"CollateralValue": "47000",
"CollateralType": "Property",
"AccountStatus": "Current Account",
"AssetClassification": "Standard",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "01-18",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "12-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "11-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "10-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "09-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "08-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "07-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "06-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "05-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "04-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "03-17",
"PaymentStatus": "01+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "02-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "01-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "12-16",
"PaymentStatus": "01+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "11-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "10-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "09-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "08-16",
"PaymentStatus": "01+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "07-16",
"PaymentStatus": "01+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "06-16",
"PaymentStatus": "30+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "05-16",
"PaymentStatus": "01+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "04-16",
"PaymentStatus": "NEW",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
}
]
},
{
"seq": "3",
"AccountNumber": "XXXXXXXXXXXX1007",
"Institution": "Andhra Bank",
"AccountType": "Credit Card",
"OwnershipType": "Individual",
"Balance": "13238",
"PastDueAmount": "0",
"Open": "Yes",
"HighCredit": "0",
"LastPaymentDate": "2017-12-18",
"DateReported": "2018-01-01",
"DateOpened": "2017-03-22",
"DisputeCode": "02",
"TermFrequency": "Monthly",
"CreditLimit": "15000",
"AccountStatus": "Current Account",
"AssetClassification": "Standard",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "01-18",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "12-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "11-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "10-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "09-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "08-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "07-17",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "06-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "05-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "04-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "03-17",
"PaymentStatus": "NEW",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
}
]
},
{
"seq": "4",
"AccountNumber": "XXXXXXXXXX3883 Terminated CI",
"Institution": "Bajaj Finance Limited",
"AccountType": "Consumer Loan",
"OwnershipType": "Individual",
"Balance": "1503",
"PastDueAmount": "0",
"Open": "Yes",
"SanctionAmount": "2711",
"DateReported": "2015-10-31",
"DateOpened": "2015-05-26",
"DisputeCode": "01",
"AccountStatus": "Current Account",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "10-15",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "09-15",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "08-15",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "07-15",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "06-15",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "05-15",
"PaymentStatus": "NEW",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
}
]
},
{
"seq": "5",
"AccountNumber": "XXXXXXXXXXXX4283 Terminated CI",
"Institution": "Kotak Mahindra Bank Ltd.",
"AccountType": "Credit Card",
"OwnershipType": "Individual",
"Balance": "10253",
"PastDueAmount": "2003",
"LastPayment": "2010",
"Open": "Yes",
"HighCredit": "17455",
"LastPaymentDate": "2018-02-15",
"DateReported": "2018-02-28",
"DateOpened": "2017-01-06",
"DisputeCode": "03",
"TermFrequency": "Monthly",
"CreditLimit": "15000",
"AccountStatus": "1-29 days past due",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "02-18",
"PaymentStatus": "01+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "01-18",
"PaymentStatus": "01+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "12-17",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "11-17",
"PaymentStatus": "01+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "10-17",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "09-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "08-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "07-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "06-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "05-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "04-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "03-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "02-17",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "01-17",
"PaymentStatus": "NEW",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
}
]
},
{
"seq": "6",
"AccountNumber": "XXXXXXXXXXX0126",
"Institution": "Indian Overseas Bank",
"AccountType": "Business Loan - Priority Sector- Agriculture",
"OwnershipType": "Individual",
"Balance": "99000",
"PastDueAmount": "0",
"Open": "Yes",
"SanctionAmount": "99000",
"LastPaymentDate": "2017-11-13",
"DateReported": "2018-01-31",
"DateOpened": "2017-11-13",
"AccountStatus": "Standard",
"AssetClassification": "Standard",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "01-18",
"PaymentStatus": "STD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "12-17",
"PaymentStatus": "STD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "11-17",
"PaymentStatus": "NEW",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
}
]
},
{
"seq": "7",
"AccountNumber": "XXXXXXXXXXX0039",
"Institution": "Indian Overseas Bank",
"AccountType": "Gold Loan",
"OwnershipType": "Individual",
"Balance": "0",
"PastDueAmount": "0",
"Open": "No",
"SanctionAmount": "85000",
"LastPaymentDate": "2017-12-30",
"DateReported": "2017-12-31",
"DateOpened": "2017-11-13",
"DateClosed": "2017-12-30",
"Reason": "Closed Account",
"AccountStatus": "Closed Account",
"AssetClassification": "Standard",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "12-17",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "11-17",
"PaymentStatus": "NEW",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
}
]
},
{
"seq": "8",
"AccountNumber": "XXXXXXXXXX5676 Terminated CI",
"Institution": "Bajaj Finance Limited",
"AccountType": "Consumer Loan",
"OwnershipType": "Individual",
"Balance": "0",
"PastDueAmount": "0",
"Open": "No",
"SanctionAmount": "15500",
"LastPaymentDate": "2015-01-05",
"DateReported": "2017-05-31",
"DateOpened": "2014-05-06",
"DateClosed": "2015-07-11",
"Reason": "Closed Account",
"AccountStatus": "Closed Account",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "05-17",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "04-17",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "03-17",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "02-17",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "01-17",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "12-16",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "11-16",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "10-16",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "09-16",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "08-16",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "07-16",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "06-16",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "05-16",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "04-16",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "03-16",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "02-16",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "01-16",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "12-15",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "11-15",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "10-15",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "09-15",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "08-15",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "07-15",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "06-15",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "05-15",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "04-15",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "03-15",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "02-15",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "01-15",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "12-14",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "11-14",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "10-14",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "09-14",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "08-14",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "07-14",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "06-14",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "05-14",
"PaymentStatus": "NEW",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
}
]
},
{
"seq": "9",
"AccountNumber": "XXXXXXXXXX3101 Terminated CI",
"Institution": "Bajaj Finance Limited",
"AccountType": "Consumer Loan",
"OwnershipType": "Individual",
"Balance": "0",
"PastDueAmount": "0",
"Open": "No",
"SanctionAmount": "18000",
"LastPaymentDate": "2016-03-05",
"DateReported": "2017-05-31",
"DateOpened": "2015-05-26",
"DateClosed": "2017-01-29",
"Reason": "Closed Account",
"AccountStatus": "Closed Account",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "05-17",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "04-17",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "03-17",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "02-17",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "01-17",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "12-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "11-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "10-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "09-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "08-16",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "07-16",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "06-16",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "05-16",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "04-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "03-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "02-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "01-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "12-15",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "11-15",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "10-15",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "09-15",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "08-15",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "07-15",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "06-15",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "05-15",
"PaymentStatus": "NEW",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
}
]
},
{
"seq": "10",
"AccountNumber": "XXXXXXXXXX5688 Terminated CI",
"Institution": "Bajaj Finance Limited",
"AccountType": "Consumer Loan",
"OwnershipType": "Individual",
"Balance": "0",
"PastDueAmount": "0",
"Open": "No",
"SanctionAmount": "14800",
"LastPaymentDate": "2016-05-02",
"DateReported": "2017-05-31",
"DateOpened": "2015-09-09",
"DateClosed": "2016-07-23",
"Reason": "Closed Account",
"AccountStatus": "Closed Account",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "05-17",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "04-17",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "03-17",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "02-17",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "01-17",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "12-16",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "11-16",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "10-16",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "09-16",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "08-16",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "07-16",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "06-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "05-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "04-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "03-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "02-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "01-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "12-15",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "11-15",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "10-15",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "09-15",
"PaymentStatus": "NEW",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
}
]
},
{
"seq": "11",
"AccountNumber": "XXXXXXXXXX5692 Terminated CI",
"Institution": "Bajaj Finance Limited",
"AccountType": "Consumer Loan",
"OwnershipType": "Individual",
"Balance": "0",
"PastDueAmount": "0",
"Open": "No",
"SanctionAmount": "15200",
"DateReported": "2017-05-31",
"DateOpened": "2015-09-09",
"DateClosed": "2016-07-23",
"Reason": "Closed Account",
"AccountStatus": "Closed Account",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "05-17",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "04-17",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "03-17",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "02-17",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "01-17",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "12-16",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "11-16",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "10-16",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "09-16",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "08-16",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "07-16",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "06-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "05-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "04-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "03-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "02-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "01-16",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "12-15",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "11-15",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "10-15",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "09-15",
"PaymentStatus": "NEW",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
}
]
}
],
"RetailAccountsSummary": {
"NoOfAccounts": "11",
"NoOfActiveAccounts": "6",
"NoOfWriteOffs": "0",
"TotalPastDue": "2003.00",
"SingleHighestCredit": "17455.00",
"SingleHighestSanctionAmount": "210000.00",
"TotalHighCredit": "17455.00",
"AverageOpenBalance": "51565.83",
"SingleHighestBalance": "155105.00",
"NoOfPastDueAccounts": "1",
"NoOfZeroBalanceAccounts": "0",
"RecentAccount": "Business Loan - Priority Sector- Agriculture on 13-11-2017",
"OldestAccount": "Consumer Loan on 06-05-2014",
"TotalBalanceAmount": "309395.00",
"TotalSanctionAmount": "356711.00",
"TotalCreditLimit": "30000.0",
"TotalMonthlyPaymentAmount": "6534.00"
},
"ScoreDetails": [
{
"Type": "ERS",
"Version": "4.0",
"Name": "ERS4.0",
"Value": "716",
"ScoringElements": [
{
"type": "RES",
"seq": "1",
"code": "300",
"Description": "No Active Accounts"
},
{
"type": "RES",
"seq": "2",
"code": "302",
"Description": "Total Utilization"
},
{
"type": "RES",
"seq": "3",
"code": "304",
"Description": "Number of Credit Cards"
}
]
}
],
"EnquirySummary": {
"Purpose": "ALL",
"Total": "3100",
"Past30Days": "0",
"Past12Months": "0",
"Past24Months": "0",
"Recent": "2019-08-27"
},
"OtherKeyInd": {
"AgeOfOldestTrade": "118",
"NumberOfOpenTrades": "0",
"AllLinesEVERWritten": "0.00",
"AllLinesEVERWrittenIn9Months": "0",
"AllLinesEVERWrittenIn6Months": "0"
},
"RecentActivities": {
"AccountsDeliquent": "0",
"AccountsOpened": "0",
"TotalInquiries": "0",
"AccountsUpdated": "0"
}
},
"statusCode": 200
},
"derivedFields": {
"lastPaymentDate": "2018-02-15",
"listOfInstitutions": [
{
"institutionName": "Sundaram Finance",
"noOfTotalAccounts": 1,
"noOfOpenAccounts": 1,
"longestDurationOfClosedAccounts": null
},
{
"institutionName": "Andhra Bank",
"noOfTotalAccounts": 2,
"noOfOpenAccounts": 2,
"longestDurationOfClosedAccounts": null
},
{
"institutionName": "Bajaj Finance Limited",
"noOfTotalAccounts": 5,
"noOfOpenAccounts": 1,
"longestDurationOfClosedAccounts": 615
},
{
"institutionName": "Kotak Mahindra Bank Ltd.",
"noOfTotalAccounts": 1,
"noOfOpenAccounts": 0,
"longestDurationOfClosedAccounts": null
},
{
"institutionName": "Indian Overseas Bank",
"noOfTotalAccounts": 2,
"noOfOpenAccounts": 0,
"longestDurationOfClosedAccounts": 48
}
]
}
}Output Parameters:
Parameter | Data Type | Description |
|---|---|---|
statusCode | Integer | Represents the status code of the response. |
message | String | Describe the response's status, and whether it was successful or encountered an error. |
data | Object | Contains the main data of the response. |
data[equifaxReport] | Object | Contains detailed information from the Equifax report. |
data[equifaxReport][IDAndContactInfo] | Object | Contains personal and contact information. |
data[equifaxReport][RetailAccountDetails] | Array | Contains details about retail accounts. |
data[equifaxReport][RetailAccountsSummary] | Object | Provides a summary of retail accounts. |
data[equifaxReport][ScoreDetails] | Array | Contains information about the individual's credit score. |
data[equifaxReport][Enquiries] | Array | Lists of inquiries were made regarding the individual's credit report. |
data[equifaxReport][EnquirySummary] | Object | Summarizes inquiries made, including purpose and total inquiries. |
data[equifaxReport][OtherKeyInd] | Object | Includes key indicators like age of oldest trade, number of open trades, etc. |
data[equifaxReport][RecentActivities] | Object | Summarizes recent activities related to the individual's accounts. |
data[equifaxReport][statusCode] | integer | Represents the status code specific to the Equifax report data. |
derivedFields | Object | |
derivedFields.lastPaymentDate | String | Most recent value in the key LastPaymentDate among all objects in equifaxReport.retailAccountDetails |
derivedFields.listOfInstitutions | Array | List of unique “Institutions” from all objects in equifaxReport.retailAccountDetails |
derivedFields.listOfInstitutions[n].institutionName | String | Name of the institution |
derivedFields.listOfInstitutions[n].noOfTotalAccounts | String | Count where Institution = nameOfInstitution accountStatus = “Current Account” in equifaxReport.retailAccountDetails |
derivedFields.listOfInstitutions[n].noOfOpenAccounts | String | Count where Institution = nameOfInstitution in equifaxReport.retailAccountDetails |
derivedFields.listOfInstitutions[n].longestDurationOfClosedAccounts | String | Longest no. of days between dateClosed - dateOpened Where Institution = nameOfInstitution accountStatus = “Closed Account” in equifaxReport.retailAccountDetails |
Status Codes:
CODE | MESSAGE |
|---|---|
200 | Request successful |
400 | Validation Error |
409 | Upstream is down |
500/5XX | Server Side Error |
404 | Record Not Found / Please enter more details |
401 | Unauthorised Access |
499 | Gateway Timeout |
429 | Too many requests |