--- title: Credit Analytics EQ Refresh Pull slug: api-marketplace/credit-analytics-eq-refresh-pull createdAt: 2025-07-21T12:06:21.076Z --- ## 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: :::CodeblockTabs preproduction ```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": "******" }' ``` Production ```curl curl --location 'https://api.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: ```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": "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": "SATHISH.24CLASIC@GMAIL.COM" } ] }, "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 |