---
title: Credit Analytics Eq MFI
slug: api-marketplace/credit-analytics-eq-mfi
createdAt: 2023-12-08T06:16:39.746Z
---
## Introduction:
The Credit Analytics Eq MFI API enables patrons to retrieve credit analytics 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 comprehensive credit analytics, facilitating the assessment of an individual's creditworthiness.
### Key Features
- **Credit Information Retrieval**: Patrons can access detailed credit analytics using parameters like phone number, PAN, first name, and last name.
### Benefits
- **Assessment of Creditworthiness**: The API assists in evaluating an individual's creditworthiness by providing detailed credit analytics.
### Conclusion
In summary, the Credit Analytics Eq MFI API offers a convenient solution for fetching credit analytics, aiding in the assessment of individuals' creditworthiness.
## Sample Curl:
:::CodeblockTabs
preproduction
```curl
curl --location 'https://api-preproduction.signzy.app/api/v3/bureau/credit_intelligence_report_retail_mfi_eqfx' \
--header 'Content-Type: application/json' \
--header 'Authorization: ********' \
--data '{
"phoneNumber": "**********",
"name": "JOHN DOE",
"fatherName": "************",
"dateOfBirth": "1986-06-03",
"pan": "***********",
"address": "************",
"state": "KA",
"pincode": "******",
"consent": {
"consentFlag": true,
"consentTimestamp": 1728631641845,
"consentIpAddress": "***************",
"consentMessageId": "CM_1"
}
}'
```
Production
```curl
curl --location 'https://api.signzy.app/api/v3/bureau/credit_intelligence_report_retail_mfi_eqfx' \
--header 'Content-Type: application/json' \
--header 'Authorization: *******' \
--data '{
"phoneNumber": "**********",
"name": "JOHN DOE",
"fatherName": "************",
"dateOfBirth": "1986-06-03",
"pan": "***********",
"address": "************",
"state": "KA",
"pincode": "******",
"consent": {
"consentFlag": true,
"consentTimestamp": 1728631641845,
"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 | Condtional Mandatory | any one of pan, voterId , rationId, driverLicense is required |
| voterId | String | Conditional Mandatory | any one of pan, voterId , rationId, driverLicense is required |
| rationId | String | Conditional Mandatory | any one of pan, voterId , rationId, driverLicense is required |
| driverLicense | String | Conditional Mandatory | any one of pan, voterId , rationId, driverLicense is required |
| name | String | Mandatory | The name of the individual. |
| dateOfBirth | String | Mandatory | Date of Birth of the user
yyyy-mm-dd |
| address | String | Mandatory | Address of the user |
| state | String | Optional | State of the user |
| pincode | String | Mandatory | pincode of the user |
| consent | Object | Mandatory | consent provided by user |
| consent\[consentFlag] | Boolean | Mandatory | A boolean flag representing if consent is present or not. |
| consent\[consentTimestamp] | Number | Mandatory | Timestamp of consent provided by user in seconds or milliseconds |
| consent\[consentIpAddress] | String | Mandatory | Ip address of the user's device giving the consent. |
| consent\[consentMessageId] | String | Mandatory | It is a mapping of consent messageId to consent message |
## Consent Message ID Mapping:
| **ID** | **Message** |
| ------ | ----------------------------------------------------------------------------------- |
| CM\_1 | I hereby consent that I am sharing my consent to signzy to collect my bureau report |
## 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:
```json
{
"statusCode": 200,
"message": "SUCCESS",
"data": {
"equifaxReport": [
{
"InquiryResponseHeader": {
"CustomerCode": "HPTF",
"CustRefField": "5000",
"ReportOrderNO": "1421651344",
"ProductCode": [
"ICCRR"
],
"SuccessCode": "1",
"Date": "2024-06-24",
"Time": "14:16:42",
"HitCode": "10",
"CustomerName": "HPTF"
},
"InquiryRequestInfo": {
"InquiryPurpose": "Other",
"FirstName": "SATHISH KUMAR",
"InquiryAddresses": [
{
"seq": "1",
"AddressType": [
"Primary"
],
"AddressLine1": "223 N A THEVAR STREET OLYMBUS COIMBATORE SOUTH COIMBATORE SOUTH DISTRICT",
"State": "TN",
"Postal": "641045"
}
],
"InquiryPhones": [
{
"seq": "1",
"PhoneType": [
"M"
],
"Number": "9787772762"
}
],
"IDDetails": [
{
"seq": "1",
"IDType": "T",
"IDValue": "BUXPS2681D",
"Source": "Inquiry"
}
],
"DOB": "1986-06-03",
"MFIDetails": {
"FamilyDetails": [
{
"seq": "1",
"AdditionalNameType": "F",
"AdditionalName": "HEMANT KUMAR"
}
]
}
},
"Score": [
{
"Type": "ERS",
"Version": "4.0"
}
],
"CIRReportData": {
"IDAndContactInfo": {
"PersonalInfo": {
"Name": {
"FullName": "SATHISH KUMAR ",
"FirstName": "SATHISH ",
"LastName": "KUMAR "
},
" AliasName": {},
"DateOfBirth": "1986-06-03",
"Gender": "Male",
"Age": {
"Age": "38"
},
"PlaceOfBirthInfo": {},
"TotalIncome": "420000000"
},
"IdentityInfo": {
"PANId": [
{
"seq": "1",
"ReportedDate": "2024-05-31",
"IdNumber": "BUXPS2681D"
}
],
"VoterID": [
{
"seq": "1",
"ReportedDate": "2024-05-31",
"IdNumber": "ROG0032698"
}
],
"NationalIDCard": [
{
"seq": "1",
"ReportedDate": "2024-05-31",
"IdNumber": "395724429814"
}
]
},
"AddressInfo": [
{
"Seq": "1",
"ReportedDate": "2024-05-31",
"Address": "223 N A THEVAR STREET OLYMBUS COIMBATORE SOUTH COIMBATORE SOUTH DISTRICT",
"State": "TN",
"Postal": "641045",
"Type": "Owns"
},
{
"Seq": "2",
"ReportedDate": "2024-04-25",
"Address": "223 NACHIANNAN ANGANNAN STREET RAMANATHAPURAM COIMBATORE",
"State": "TN",
"Postal": "641045",
"Type": "Rents,Primary"
},
{
"Seq": "3",
"ReportedDate": "2023-09-01",
"Address": "NO-223 NACHIANNAN ANGANNAN STREET RAMANATHAPURAM TAMILNADU 641045",
"State": "TN",
"Postal": "641045",
"Type": "Primary"
},
{
"Seq": "4",
"ReportedDate": "2016-09-16",
"Address": "NO-223 NACHIANNAN ANGANNAN STREET RAMANA THAPURAM RAMANATHAPURAM COIMBATORE",
"State": "TN",
"Postal": "641045"
},
{
"Seq": "5",
"ReportedDate": "2016-09-16",
"Address": "KIKANI EXPORT PVT LTD 104 WEST PERIASAMA Y ROAD R S PRUAM COIMBATORE",
"State": "TN",
"Postal": "641045"
}
],
"PhoneInfo": [
{
"seq": "1",
"typeCode": "H",
"ReportedDate": "2024-05-31",
"Number": "8122244473"
},
{
"seq": "2",
"typeCode": "H",
"ReportedDate": "2020-12-31",
"Number": "9787772762"
},
{
"seq": "3",
"typeCode": "M",
"ReportedDate": "2023-09-01",
"Number": "9842372492"
},
{
"seq": "4",
"typeCode": "M",
"ReportedDate": "2024-05-31",
"Number": "8122244473"
},
{
"seq": "5",
"typeCode": "T",
"ReportedDate": "2019-08-31",
"Number": "8122244473"
},
{
"seq": "6",
"typeCode": "T",
"ReportedDate": "2017-01-31",
"Number": "9047052224"
}
],
"EmailAddressInfo": [
{
"seq": "1",
"ReportedDate": "2024-04-25",
"EmailAddress": "SATHISHKUMAR3686@GMAIL.COM"
}
]
},
"RetailAccountDetails": [
{
"seq": "1",
"AccountNumber": "**********",
"Institution": "BANK",
"AccountType": "Business Loan - Priority Sector- Small Business",
"OwnershipType": "Individual",
"Balance": "68000",
"PastDueAmount": "0",
"Open": "Yes",
"SanctionAmount": "68000",
"DateReported": "2024-05-31",
"DateOpened": "2024-05-30",
"InterestRate": "8.85",
"TermFrequency": "Bullet Payment",
"CollateralValue": "98000",
"AccountStatus": "New Account",
"AssetClassification": "Standard",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "05-24",
"PaymentStatus": "NEW",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
}
]
},
{
"seq": "2",
"AccountNumber": "**********",
"Institution": "FINANCE",
"AccountType": "Consumer Loan",
"OwnershipType": "Individual",
"Balance": "29950",
"PastDueAmount": "0",
"Open": "Yes",
"SanctionAmount": "62895",
"LastPaymentDate": "2023-12-07",
"DateReported": "2024-01-31",
"DateOpened": "2023-04-11",
"RepaymentTenure": "21",
"InstallmentAmount": "2995",
"TermFrequency": "Monthly",
"AccountStatus": "Current Account",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "01-24",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "12-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "11-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "10-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "09-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "08-23",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "07-23",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "06-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "05-23",
"PaymentStatus": "NEW",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
}
]
},
{
"seq": "3",
"AccountNumber": "**********",
"Institution": "BANK",
"AccountType": "Credit Card",
"OwnershipType": "Individual",
"Balance": "11925",
"PastDueAmount": "0",
"LastPayment": "21000",
"Open": "No",
"HighCredit": "31007",
"LastPaymentDate": "2023-10-17",
"DateReported": "2023-10-31",
"DateOpened": "2022-11-12",
"DateClosed": "2023-03-30",
"Reason": "Closed Account",
"CreditLimit": "30000",
"AccountStatus": "Current Account",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "10-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "09-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "08-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "07-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "06-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "05-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "04-23",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "03-23",
"PaymentStatus": "CLSD",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "02-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "01-23",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "12-22",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "11-22",
"PaymentStatus": "NEW",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
}
]
},
{
"seq": "4",
"AccountNumber": "**********",
"Institution": "FINANCE",
"AccountType": "Consumer Loan",
"OwnershipType": "Individual",
"Balance": "1503",
"PastDueAmount": "0",
"Open": "Yes",
"SanctionAmount": "2711",
"DateReported": "2015-10-31",
"DateOpened": "2015-05-26",
"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": "**********",
"Institution": "BANK",
"AccountType": "Credit Card",
"OwnershipType": "Individual",
"Balance": "14821",
"PastDueAmount": "1750",
"Open": "No",
"HighCredit": "0",
"LastPaymentDate": "2024-04-25",
"DateReported": "2024-04-25",
"DateOpened": "2017-03-22",
"DateClosed": "2017-05-03",
"InterestRate": "2.5",
"TermFrequency": "Monthly",
"CreditLimit": "15000",
"AccountStatus": "60-89 days past due",
"AssetClassification": "Standard",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "04-24",
"PaymentStatus": "60+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "03-24",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "02-24",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "01-24",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "12-23",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "11-23",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "10-23",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "09-23",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "08-23",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "07-23",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "06-23",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "05-23",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "04-23",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "03-23",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "02-23",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "01-23",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "12-22",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "11-22",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "10-22",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "09-22",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "08-22",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "07-22",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "06-22",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "05-22",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "04-22",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "03-22",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "02-22",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "01-22",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "12-21",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "11-21",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "10-21",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "09-21",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "08-21",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "07-21",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "06-21",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "05-21",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "04-21",
"PaymentStatus": "30+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "03-21",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "02-21",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "01-21",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "12-20",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "11-20",
"PaymentStatus": "30+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "10-20",
"PaymentStatus": "30+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "09-20",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "08-20",
"PaymentStatus": "60+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "07-20",
"PaymentStatus": "30+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "06-20",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
},
{
"key": "05-20",
"PaymentStatus": "000",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "STD"
}
]
},
{
"seq": "6",
"AccountNumber": "**********",
"Institution": "FINANCE",
"AccountType": "Credit Card",
"OwnershipType": "Individual",
"Balance": "97825",
"PastDueAmount": "45568",
"Open": "Yes",
"HighCredit": "97824",
"LastPaymentDate": "2023-10-03",
"DateReported": "2024-05-01",
"DateOpened": "2022-08-10",
"TermFrequency": "Monthly",
"CreditLimit": "93000",
"AccountStatus": "180-359 days past due",
"source": "INDIVIDUAL",
"History48Months": [
{
"key": "05-24",
"PaymentStatus": "180+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "04-24",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "03-24",
"PaymentStatus": "120+",
"SuitFiledStatus": "*",
"AssetClassificationStatus": "*"
},
{
"key": "02-24",
"PaymentStatus": "*",
"SuitFiledStatus": "*",
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"ScoringElements": [
{
"type": "RES",
"seq": "1",
"code": "400",
"Description": "Occurances of default account"
},
{
"type": "RES",
"seq": "2",
"code": "404",
"Description": "Overdue amount Credit Card"
},
{
"type": "RES",
"seq": "3",
"code": "402",
"Description": "Overdue Amount"
}
]
}
],
"Enquiries": [
{
"seq": "1",
"Institution": "FINANCE",
"Date": "2024-06-06",
"Time": "15:24",
"RequestPurpose": "00"
},
{
"seq": "2",
"Institution": "FINANCE",
"Date": "2024-06-06",
"Time": "14:17",
"RequestPurpose": "00"
},
{
"seq": "3",
"Institution": "FINANCE",
"Date": "2024-06-06",
"Time": "11:45",
"RequestPurpose": "00"
},
{
"seq": "4",
"Institution": "FINANCE",
"Date": "2024-05-23",
"Time": "17:09",
"RequestPurpose": "00"
},
{
"seq": "5",
"Institution": "FINANCE",
"Date": "2024-05-23",
"Time": "11:09",
"RequestPurpose": "00"
},
{
"seq": "6",
"Institution": "FINANCE",
"Date": "2024-05-21",
"Time": "16:52",
"RequestPurpose": "00"
},
{
"seq": "7",
"Institution": "FINANCE",
"Date": "2024-05-21",
"Time": "16:51",
"RequestPurpose": "00"
},
{
"seq": "8",
"Institution": "FINANCE",
"Date": "2024-05-21",
"Time": "16:49",
"RequestPurpose": "00"
},
{
"seq": "9",
"Institution": "FINANCE",
"Date": "2024-05-21",
"Time": "16:49",
"RequestPurpose": "00"
},
{
"seq": "10",
"Institution": "FINANCE",
"Date": "2024-05-21",
"Time": "15:36",
"RequestPurpose": "00"
},
{
"seq": "11",
"Institution": "FINANCE",
"Date": "2024-05-21",
"Time": "15:19",
"RequestPurpose": "00"
},
{
"seq": "12",
"Institution": "FINANCE",
"Date": "2024-05-17",
"Time": "19:17",
"RequestPurpose": "0E",
"Amount": "8000"
},
{
"seq": "13",
"Institution": "FINANCE",
"Date": "2024-05-17",
"Time": "19:17",
"RequestPurpose": "0E",
"Amount": "8000"
},
{
"seq": "14",
"Institution": "FINANCE",
"Date": "2024-05-06",
"Time": "11:34",
"RequestPurpose": "0E",
"Amount": "8000"
},
{
"seq": "15",
"Institution": "FINANCE",
"Date": "2024-05-06",
"Time": "11:34",
"RequestPurpose": "0E",
"Amount": "8000"
},
{
"seq": "16",
"Institution": "FINANCE",
"Date": "2024-05-05",
"Time": "12:57",
"RequestPurpose": "0E",
"Amount": "8000"
},
{
"seq": "17",
"Institution": "FINANCE",
"Date": "2024-05-05",
"Time": "12:57",
"RequestPurpose": "0E",
"Amount": "8000"
},
{
"seq": "18",
"Institution": "FINANCE",
"Date": "2024-05-05",
"Time": "12:13",
"RequestPurpose": "0E",
"Amount": "8000"
}
],
"EnquirySummary": {
"Purpose": "ALL",
"Total": "687",
"Past30Days": "3",
"Past12Months": "206",
"Past24Months": "390",
"Recent": "2024-06-06"
},
"OtherKeyInd": {
"AgeOfOldestTrade": "121",
"NumberOfOpenTrades": "3",
"AllLinesEVERWritten": "0.00",
"AllLinesEVERWrittenIn9Months": "0",
"AllLinesEVERWrittenIn6Months": "0"
},
"RecentActivities": {
"AccountsDeliquent": "3",
"AccountsOpened": "2",
"TotalInquiries": "43",
"AccountsUpdated": "6"
}
}
},
{
"InquiryResponseHeader": {
"ClientID": "027FP31737",
"CustRefField": "5000",
"ReportOrderNO": "1421651344",
"ProductCode": [
"ICCRM"
],
"SuccessCode": "0",
"Date": "2024-06-24",
"Time": "14:16:42",
"HitCode": "00"
},
"InquiryRequestInfo": {
"InquiryPurpose": "00",
"FirstName": "SATHISH KUMAR",
"InquiryAddresses": [
{
"seq": "1",
"AddressType": [
"Primary"
],
"AddressLine1": "223 N A THEVAR STREET OLYMBUS COIMBATORE SOUTH COIMBATORE SOUTH DISTRICT",
"State": "TN",
"Postal": "641045"
}
],
"InquiryPhones": [
{
"seq": "1",
"PhoneType": [
"M"
],
"Number": "9787772762"
}
],
"IDDetails": [
{
"seq": "1",
"IDType": "T",
"IDValue": "BUXPS2681D",
"Source": "Inquiry"
}
],
"DOB": "1986-06-03",
"MFIDetails": {
"FamilyDetails": [
{
"seq": "1",
"AdditionalNameType": "F",
"AdditionalName": "HEMANT KUMAR"
}
]
}
},
"Error": {
"ErrorCode": "GSWDOE992",
"ErrorDesc": "Exception Message: null"
}
}
],
"customerId": "9536",
"statusCode": 200
},
"derivedFields": {
"lastPaymentDate": "2024-05-30",
"listOfInstitutions": [
{
"nameOfInstitution": "BANK",
"noOfOpenAccounts": "1",
"noOfTotalAccounts": "18",
"longestDurationOfClosedAccounts": "2501"
},
{
"nameOfInstitution": "FINANCE",
"noOfOpenAccounts": "2",
"noOfTotalAccounts": "11",
"longestDurationOfClosedAccounts": "1962"
}
]
}
}
```
## 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] | Array | Contains detailed information from the Equifax report. |
| data\[equifaxReport]\[0]\[CIRReportData] | Object | Contains detailed information from the Equifax report. |
| data\[equifaxReport]\[0]\[CIRReportData]\[IDAndContactInfo] | Object | Contains personal and contact information. |
| data\[equifaxReport]\[0]\[CIRReportData]\[RetailAccountDetails] | Array | Contains details about retail accounts. |
| data\[equifaxReport]\[0]\[CIRReportData]\[RetailAccountsSummary] | Object | Provides a summary of retail accounts. |
| data\[equifaxReport]\[0]\[CIRReportData]\[ScoreDetails] | Array | Contains information about the individual's credit score. |
| data\[equifaxReport]\[0]\[CIRReportData]\[Enquiries] | Array | Lists of inquiries were made regarding the individual's credit report. |
| data\[equifaxReport]\[0]\[CIRReportData]\[EnquirySummary] | Object | Summarizes inquiries made, including purpose and total inquiries. |
| data\[equifaxReport]\[0]\[CIRReportData]\[OtherKeyInd] | Object | Includes key indicators like age of oldest trade, number of open trades, etc. |
| data\[equifaxReport]\[0]\[CIRReportData]\[RecentActivities] | Object | Summarizes recent activities related to the individual's accounts. |
| data\[statusCode] | Integer | Represents the status code specific to the Equifax report data. |
| data\[customerId] | String | |
| 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 | Server Side Error |