Credit Analytics EQ Refresh Pull
Introduction:
The Credit Analytics EQ Refresh Pull API enables users to re-fetch the most recent analytics credit data by using the reportNo provided in prior responses from either the bureau-consent journey or Credit Analytics EQ Bureau API. This ensures retrieval of up-to-date credit reports to accurately assess an individual's current creditworthiness for upto 6 months from the original user consent.
Key Features
- Credit Information Retrieval: Patrons can access detailed credit reports using two methods
- Method 1: Report No + Phone number + Name
- Method 2: Report No + Phone number + Name + PAN + DOB + Address + Pincode + State (Optional)
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 Refresh Pull API offers a convenient solution for fetching fresh credit information, aiding in the assessment of individuals' creditworthiness.
Sample Curl:
curl --location 'https://api-preproduction.signzy.app/api/v3/bureau/refresh-pull-equifax' \
--header 'Content-Type: application/json' \
--header 'Authorization: *******' \
--data '{
"reportNo": "2037712382",
"phoneNumber": "1234567890",
"name": "Con Junktivitas",
"dateOfBirth": "1988-02-16",
"pan": "ABCDE6226B",
"address": "*********",
"state": "KA",
"pincode": "******"
}'Input Parameters:
Parameter | Type | Mandatory/Optional | Description |
|---|---|---|---|
reportNo | String | Mandatory | The report No of the individual givin in the response header of equifax lite or report API. |
phoneNumber | String | 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 |
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 | Report No not found. |
401 | Unauthorised Access |
499 | Gateway Timeout |
429 | Too many requests |