---
title: Credit Analytics Eq PDF Report
slug: api-marketplace/credit-analytics-eq-pdf-report
createdAt: 2023-12-08T06:16:39.746Z
---

## Introduction:

The Credit Analytics Eq PDF Report 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 PDF Report 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/equifax-bureau-report' \
--header 'Content-Type: application/json' \
--header 'Authorization: *******' \
--data '{
    "phoneNumber": "1234567890",
    "name": "JOHN DOE",
    "dateOfBirth": "1988-02-16",
    "pan": "ABCDE1111B",
    "address": "******",
    "state": "KA",
    "pincode": "******",
    "consent": {
        "consentFlag": true,
        "consentTimestamp": 1728631641845,
        "consentIpAddress": "************",
        "consentMessageId": "CM_1"
    }
}'
```

Production

```curl
curl --location 'https://api.signzy.app/api/v3/bureau/equifax-bureau-report' \
--header 'Content-Type: application/json' \
--header 'Authorization: <authtoken>' \
--data '{
    "phoneNumber": "1234567890",
    "name": "JOHN DOE",
    "dateOfBirth": "1988-02-16",
    "pan": "ABCDE1111B",
    "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  | Mandatory          | The PAN (Permanent Account Number) of the individual.                        |
| name                       | String  | Mandatory          | The name of the individual.                                                  |
| dateOfBirth                | String  | Mandatory          | Date of Birth of the user<br />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  | Optional           | 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 |

## 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:

```json
{
    "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": "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": "XXXXXXXXXXXX"
                        }
                    ]
                },
                "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": "XXXXXXXXXX9119",
                    "Institution": "Bajaj Finance Limited",
                    "AccountType": "Consumer Loan",
                    "OwnershipType": "Individual",
                    "Balance": "11980",
                    "PastDueAmount": "0",
                    "Open": "Yes",
                    "SanctionAmount": "62895",
                    "LastPaymentDate": "2024-06-10",
                    "DateReported": "2024-07-31",
                    "DateOpened": "2023-04-11",
                    "RepaymentTenure": "21",
                    "InstallmentAmount": "2995",
                    "TermFrequency": "Monthly",
                    "AccountStatus": "Current Account",
                    "source": "INDIVIDUAL",
                    "History48Months": [
                        {
                            "key": "07-24",
                            "PaymentStatus": "000",
                            "SuitFiledStatus": "*",
                            "AssetClassificationStatus": "*"
                        },
                        {
                            "key": "06-24",
                            "PaymentStatus": "000",
                            "SuitFiledStatus": "*",
                            "AssetClassificationStatus": "*"
                        },
                        {
                            "key": "05-24",
                            "PaymentStatus": "000",
                            "SuitFiledStatus": "*",
                            "AssetClassificationStatus": "*"
                        },
                        {
                            "key": "04-24",
                            "PaymentStatus": "000",
                            "SuitFiledStatus": "*",
                            "AssetClassificationStatus": "*"
                        },
                        {
                            "key": "03-24",
                            "PaymentStatus": "*",
                            "SuitFiledStatus": "*",
                            "AssetClassificationStatus": "*"
                        },
                        {
                            "key": "02-24",
                            "PaymentStatus": "*",
                            "SuitFiledStatus": "*",
                            "AssetClassificationStatus": "*"
                        },
                        {
                            "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": "2",
                    "AccountNumber": "XXXXXXXXXXX0886",
                    "Institution": "Indian Overseas Bank",
                    "AccountType": "Business Loan - Priority Sector- Small Business",
                    "OwnershipType": "Individual",
                    "Balance": "63500",
                    "PastDueAmount": "0",
                    "Open": "Yes",
                    "SanctionAmount": "68000",
                    "LastPaymentDate": "2024-07-19",
                    "DateReported": "2024-07-31",
                    "DateOpened": "2024-05-30",
                    "InterestRate": "8.85",
                    "TermFrequency": "Bullet Payment",
                    "CollateralValue": "98000",
                    "AccountStatus": "Current Account",
                    "AssetClassification": "Standard",
                    "source": "INDIVIDUAL",
                    "History48Months": [
                        {
                            "key": "07-24",
                            "PaymentStatus": "000",
                            "SuitFiledStatus": "*",
                            "AssetClassificationStatus": "STD"
                        },
                        {
                            "key": "06-24",
                            "PaymentStatus": "000",
                            "SuitFiledStatus": "*",
                            "AssetClassificationStatus": "STD"
                        },
                        {
                            "key": "05-24",
                            "PaymentStatus": "NEW",
                            "SuitFiledStatus": "*",
                            "AssetClassificationStatus": "STD"
                        }
                    ]
                },
                {
                    "seq": "3",
                    "AccountNumber": "XXXXXXXXXXXX5005",
                    "Institution": "Union Bank of India",
                    "AccountType": "Credit Card",
                    "OwnershipType": "Individual",
                    "Balance": "15269",
                    "PastDueAmount": "0",
                    "LastPayment": "2000",
                    "Open": "No",
                    "HighCredit": "8000",
                    "LastPaymentDate": "2024-07-08",
                    "DateReported": "2024-07-25",
                    "DateOpened": "2017-03-22",
                    "DateClosed": "2017-05-03",
                    "InterestRate": "2.5",
                    "TermFrequency": "Monthly",
                    "CreditLimit": "15000",
                    "AccountStatus": "Current Account",
                    "AssetClassification": "Standard",
                    "source": "INDIVIDUAL",
                    "History48Months": [
                        {
                            "key": "07-24",
                            "PaymentStatus": "000",
                            "SuitFiledStatus": "*",
                            "AssetClassificationStatus": "STD"
                        },
                        {
                            "key": "06-24",
                            "PaymentStatus": "30+",
                            "SuitFiledStatus": "*",
                            "AssetClassificationStatus": "STD"
                        },
                        {
                            "key": "05-24",
                            "PaymentStatus": "*",
                            "SuitFiledStatus": "*",
                            "AssetClassificationStatus": "*"
                        },
                        {
                            "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"
                        }
                    ]
                },
                {
                    "seq": "4",
                    "AccountNumber": "XXXXXXXXXX3883",
                    "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",
                    "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": "*"
                        }
                    ]
                }
            ],
            "RetailAccountsSummary": {
                "NoOfAccounts": "30",
                "NoOfActiveAccounts": "3",
                "NoOfWriteOffs": "0",
                "TotalPastDue": "1600.00",
                "MostSevereStatusWithIn24Months": "Set",
                "SingleHighestCredit": "0.00",
                "SingleHighestSanctionAmount": "68000.00",
                "TotalHighCredit": "0.00",
                "AverageOpenBalance": "25661.00",
                "SingleHighestBalance": "63500.00",
                "NoOfPastDueAccounts": "3",
                "NoOfZeroBalanceAccounts": "0",
                "RecentAccount": "Business Loan - Priority Sector- Small Business on 30-05-2024",
                "OldestAccount": "Consumer Loan on 06-05-2014",
                "TotalBalanceAmount": "76983.00",
                "TotalSanctionAmount": "133606.00",
                "TotalCreditLimit": "0.0",
                "TotalMonthlyPaymentAmount": "2995.00"
            },
            "ScoreDetails": [
                {
                    "Type": "ERS",
                    "Version": "4.0",
                    "Name": "ERS4.0",
                    "Value": "639",
                    "ScoringElements": [
                        {
                            "type": "RES",
                            "seq": "1",
                            "code": "400",
                            "Description": "Occurances of default account"
                        },
                        {
                            "type": "RES",
                            "seq": "2",
                            "code": "401",
                            "Description": "Vintage in Bureau"
                        },
                        {
                            "type": "RES",
                            "seq": "3",
                            "code": "403",
                            "Description": "Delinquency presence"
                        }
                    ]
                }
            ],
            "Enquiries": [
                {
                    "seq": "1",
                    "Institution": "Fincare Small Finance Bank Limited",
                    "Date": "2024-06-06",
                    "Time": "15:24",
                    "RequestPurpose": "00"
                },
                {
                    "seq": "2",
                    "Institution": "Fincare Small Finance Bank Limited",
                    "Date": "2024-06-06",
                    "Time": "14:17",
                    "RequestPurpose": "00"
                },
                {
                    "seq": "3",
                    "Institution": "Fincare Small Finance Bank Limited",
                    "Date": "2024-06-06",
                    "Time": "11:45",
                    "RequestPurpose": "00"
                },
                {
                    "seq": "4",
                    "Institution": "Fincare Small Finance Bank Limited",
                    "Date": "2024-05-23",
                    "Time": "17:09",
                    "RequestPurpose": "00"
                },
                {
                    "seq": "5",
                    "Institution": "Fincare Small Finance Bank Limited",
                    "Date": "2024-05-23",
                    "Time": "11:09",
                    "RequestPurpose": "00"
                }
            ],
            "EnquirySummary": {
                "Purpose": "ALL",
                "Total": "689",
                "Past30Days": "0",
                "Past12Months": "189",
                "Past24Months": "390",
                "Recent": "2024-07-01"
            },
            "OtherKeyInd": {
                "AgeOfOldestTrade": "124",
                "NumberOfOpenTrades": "2",
                "AllLinesEVERWritten": "0.00",
                "AllLinesEVERWrittenIn9Months": "0",
                "AllLinesEVERWrittenIn6Months": "0"
            },
            "RecentActivities": {
                "AccountsDeliquent": "3",
                "AccountsOpened": "0",
                "TotalInquiries": "4",
                "AccountsUpdated": "5"
            }
        },
        "statusCode": 200,
        "pdfReport": "https://staging-persist.signzy.tech/api/files/5135689/download/8bb9267ee0c641109b4652c38a4989c069db8d151a784013b74d07628393d00c.pdf"
    },
    "derivedFields": {
        "lastPaymentDate": "2024-07-19",
        "listOfInstitutions": [
            {
                "institutionName": "Bajaj Finance Limited",
                "noOfTotalAccounts": 7,
                "noOfOpenAccounts": 2,
                "longestDurationOfClosedAccounts": 615
            },
            {
                "institutionName": "Indian Overseas Bank",
                "noOfTotalAccounts": 12,
                "noOfOpenAccounts": 1,
                "longestDurationOfClosedAccounts": 366
            },
            {
                "institutionName": "Union Bank of India",
                "noOfTotalAccounts": 3,
                "noOfOpenAccounts": 1,
                "longestDurationOfClosedAccounts": 2502
            }
        ]
    }
}
```

## 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.                                                                                                        |
| data\[equifaxReport]\[pdfReport]                                     | String    | PDF report download url.                                                                                                                                               |
| 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<br /> |

## Status Codes:

| **CODE** | **MESSAGE**         |
| -------- | ------------------- |
| 200      | Request successful  |
| 400      | Validation Error    |
| 409      | Upstream is down    |
| 500      | Server Side Error   |
| 401      | Unauthroised Access |
| 429      | Too Many Requests   |
| 499      | Gatway Timeout      |

