--- title: Credit Analytics Eq slug: api-marketplace/credit-analytics-eq createdAt: 2023-12-08T06:16:39.746Z --- ## Introduction: The Credit Analytics Eq 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 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_report' \ --header 'Content-Type: application/json' \ --header 'Authorization: *******' \ --data '{ "phoneNumber": "1234567890", "name": "JOHN DOE", "dateOfBirth": "1988-02-16", "pan": "ABCDE1111B", "address": "*****", "state": "KA", "pincode": "******", "alternateFlow": "validation_Report", "consent": { "consentFlag": true, "consentTimestamp": 1728631641845, "consentIpAddress": "*********", "consentMessageId": "CM_1" } }' ``` Production ```curl curl --location 'https://api.signzy.app/api/v3/bureau/equifax_report' \ --header 'Content-Type: application/json' \ --header 'Authorization: ' \ --data '{ "phoneNumber": "1234567890", "name": "JOHN DOE", "dateOfBirth": "1988-02-16", "pan": "ABCDE1111B", "address": "*****", "state": "KA", "pincode": "******", "alternateFlow": "validation_Report", "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
yyyy-mm-dd | | address | String | Mandatory | Address of the user | | state | String | Optional | State of the user | | pincode | String | Mandatory | pincode of the user | | alternateFlow | String | Optional | If "validation\_Report" is passed then analytics report will come. | | 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 | ## Score of NTC customers Score = -1 indicates insufficient information available on the user in the last 36 months to attribute a credit score. ## Consent Message ID Mapping: | **ID** | **Message** | | ------ | ----------------------------------------------------------------------------------- | | CM\_1 | I hereby consent that I am sharing my consent to signzy to collect my bureau report | ## State Mapping: | **Value** | **Description** | **Pincode Range (First 3 Numbers)** | | --------- | ------------------------- | ----------------------------------- | | AN | Andaman & Nicobar Islands | 744 | | AP | Andhra Pradesh | 500 - 535 | | AR | Arunachal Pradesh | 790 - 792 | | AS | Assam | 781 - 788 | | BR | Bihar | 800 - 855 | | CG | Chhattisgarh | 490 - 497 | | CH | Chandigarh | 160 | | DD | Daman & Diu | 362, 396 | | DL | Delhi | 110 | | DN | Dadra & Nagar Haveli | 396 | | GA | Goa | 403 | | GJ | Gujarat | 360 - 396 | | HP | Himachal Pradesh | 171 - 177 | | HR | Haryana | 121 - 136 | | JH | Jharkhand | 813 - 835 | | JK | Jammu & Kashmir | 180 - 194 | | KA | Karnataka | 560 - 591 | | KL | Kerala | 670 - 695 | | LD | Lakshadweep | 682 | | MH | Maharashtra | 400 - 445 | | ML | Meghalaya | 793 - 794 | | MN | Manipur | 795 | | MP | Madhya Pradesh | 450 - 488 | | MZ | Mizoram | 796 | | NL | Nagaland | 797 - 798 | | OR | Odisha | 751 - 770 | | PB | Punjab | 140 - 160 | | PY | Pondicherry/Puducherry | 533, 605, 607, 609 | | RJ | Rajasthan | 301 - 345 | | SK | Sikkim | 737 | | TG | Telangana | 500 - 509 | | TN | Tamil Nadu | 600 - 643 | | TR | Tripura | 799 | | UL | Uttarakhand | 244 - 263 | | UP | Uttar Pradesh | 201 - 285 | | WB | West Bengal | 700 - 743 | ## Sample Response: :::CodeblockTabs 200 ```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": "*", 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"STD" } ], "PastDueAmount": "1000", "InterestRate": "2.5", "CollateralValue": "", "CollateralType": "", "AssetClassification": "Standard", "HighCredit": "0", "DisputeCode": "", "CreditLimit": "15000", "DateClosed": "", "Reason": "" }, { "seq": "4", "AccountNumber": "XXXXXXXXXXX2850", "Institution": "Indian Overseas Bank", "InstitutionCategory": "", "AccountType": "Gold Loan", "OwnershipType": "Individual", "Balance": "0", "LastPayment": "", "Open": "No", "SanctionAmount": "32000", "LastPaymentDate": "72", "DateReported": "60", "DateOpened": "108", "RepaymentTenure": "1", "InstallmentAmount": "32000", "TermFrequency": "On-Demand", "AccountStatus": "Closed Account", "source": "INDIVIDUAL", "History48Months": [ { "key": "06-25", "PaymentStatus": "CLSD", "SuitFiledStatus": "*", "AssetClassificationStatus": "STD" }, { "key": "05-25", "PaymentStatus": "NEW", "SuitFiledStatus": "*", "AssetClassificationStatus": "STD" } ], "PastDueAmount": "0", "InterestRate": "8.75", "CollateralValue": "129000", "CollateralType": "Others", "AssetClassification": "Standard", "HighCredit": "", "DisputeCode": "", "CreditLimit": "", "DateClosed": "72", "Reason": "Closed Account" }, { "seq": "5", "AccountNumber": "XXXXXXXXXXX0886", "Institution": "Indian Overseas Bank", "InstitutionCategory": "", "AccountType": "Business Loan - Priority Sector - Small Business", "OwnershipType": "Individual", "Balance": "0", "LastPayment": "", "Open": "No", "SanctionAmount": "68000", "LastPaymentDate": "108", "DateReported": "106", "DateOpened": "456", "RepaymentTenure": "1", "InstallmentAmount": "68000", "TermFrequency": "Bullet Payment", "AccountStatus": "Closed Account", "source": "INDIVIDUAL", "History48Months": [ { "key": "05-25", "PaymentStatus": "CLSD", "SuitFiledStatus": "*", "AssetClassificationStatus": "STD" }, { "key": "04-25", "PaymentStatus": "0 DPD", "SuitFiledStatus": "*", "AssetClassificationStatus": "STD" }, { "key": "03-25", "PaymentStatus": "0 DPD", "SuitFiledStatus": "*", "AssetClassificationStatus": "STD" }, { "key": "02-25", "PaymentStatus": "0 DPD", "SuitFiledStatus": "*", "AssetClassificationStatus": "STD" }, { "key": "01-25", "PaymentStatus": "0 DPD", "SuitFiledStatus": "*", "AssetClassificationStatus": "STD" }, { "key": "12-24", "PaymentStatus": "0 DPD", "SuitFiledStatus": "*", "AssetClassificationStatus": "STD" }, { "key": "11-24", "PaymentStatus": "0 DPD", "SuitFiledStatus": "*", "AssetClassificationStatus": "STD" }, { "key": "10-24", "PaymentStatus": "0 DPD", "SuitFiledStatus": "*", "AssetClassificationStatus": "STD" }, { "key": "09-24", "PaymentStatus": "0 DPD", "SuitFiledStatus": "*", "AssetClassificationStatus": "STD" }, { "key": "08-24", "PaymentStatus": "0 DPD", "SuitFiledStatus": "*", "AssetClassificationStatus": "STD" }, { "key": "07-24", "PaymentStatus": "0 DPD", "SuitFiledStatus": "*", "AssetClassificationStatus": "STD" }, { "key": "06-24", "PaymentStatus": "0 DPD", "SuitFiledStatus": "*", "AssetClassificationStatus": "STD" }, { "key": "05-24", "PaymentStatus": "NEW", "SuitFiledStatus": "*", "AssetClassificationStatus": "STD" } ], "PastDueAmount": "0", "InterestRate": "", "CollateralValue": "", "CollateralType": "Others", "AssetClassification": "Standard", "HighCredit": "", "DisputeCode": "", "CreditLimit": "", "DateClosed": "108", "Reason": "Closed Account" } ], "RetailAccountsSummary": { "NoOfAccounts": "33", "NoOfActiveAccounts": "2", "NoOfWriteOffs": "0", "TotalPastDue": "1106.00", "MostSevereStatusWithIn24Months": "Set", "SingleHighestCredit": "0.00", "SingleHighestSanctionAmount": "53000.00", "TotalHighCredit": "0.00", "AverageOpenBalance": "17556.50", "SingleHighestBalance": "22999.00", "NoOfPastDueAccounts": "5", "NoOfZeroBalanceAccounts": "0", "RecentAccount": "Gold Loan on 18-06-2025", "OldestAccount": "Consumer Loan on 06-05-2014", "TotalBalanceAmount": "35113.00", "TotalSanctionAmount": "53000.00", "TotalCreditLimit": "15000.0", "TotalMonthlyPaymentAmount": "4416.67" }, "ScoreDetails": [ { "Type": "ERS", "Version": "4.0", "Name": "ERS4.0", "Value": "660-680", "ScoringElements": [ { "type": "RES", "seq": "1", "code": "500", "Description": "Occurances of delinquent account" }, { "type": "RES", "seq": "2", "code": "502", "Description": "Overdue Amount" }, { "type": "RES", "seq": "3", "code": "510", "Description": "Total credit exposure" } ] } ], "Enquiries": [ { "seq": "1", "Institution": "ICICI BANK LIMITED", "Date": "2025-06-26", "daysSinceReport": "64", "Time": "13:09", "RequestPurpose": "16", "Amount": "0" }, { "seq": "2", "Institution": "Adi Chitragupta Finance Limited", "Date": "2025-06-13", "daysSinceReport": "77", "Time": "23:28", "RequestPurpose": "0E", "Amount": "" }, { "seq": "3", "Institution": "TVS Credit Services Limited", "Date": "2025-06-10", "daysSinceReport": "80", "Time": "15:07", "RequestPurpose": "00", "Amount": "" }, { "seq": "4", "Institution": "TVS Credit Services Limited", "Date": "2025-06-10", "daysSinceReport": "80", "Time": "15:05", "RequestPurpose": "00", "Amount": "" }, { "seq": "5", "Institution": "Adi Chitragupta Finance Limited", "Date": "2025-06-02", "daysSinceReport": "88", "Time": "13:55", "RequestPurpose": "0E", "Amount": "" }, { "seq": "6", "Institution": "CREDITACCESS GRAMEEN LIMITED", "Date": "2025-05-17", "daysSinceReport": "104", "Time": "22:28", "RequestPurpose": "0E", "Amount": "8000" }, { "seq": "7", "Institution": "CREDITACCESS GRAMEEN LIMITED", "Date": "2025-05-17", "daysSinceReport": "104", "Time": "22:28", "RequestPurpose": "0E", "Amount": "8000" }, { "seq": "8", "Institution": "CREDITACCESS GRAMEEN LIMITED", "Date": "2025-05-17", "daysSinceReport": "104", "Time": "22:28", "RequestPurpose": "0E", "Amount": "8000" }, { "seq": "9", "Institution": "CREDITACCESS GRAMEEN LIMITED", "Date": "2025-05-17", "daysSinceReport": "104", "Time": "22:28", "RequestPurpose": "0E", "Amount": "8000" }, { "seq": "10", "Institution": "CREDITACCESS GRAMEEN LIMITED", "Date": "2025-05-17", "daysSinceReport": "104", "Time": "22:28", "RequestPurpose": "0E", "Amount": "8000" } ], "EnquirySummary": { "Purpose": "ALL", "Total": "781", "Past30Days": "0", "Past12Months": "92", "Past24Months": "285", "Recent": "2025-06-26" }, "OtherKeyInd": { "AgeOfOldestTrade": "135", "NumberOfOpenTrades": "2", "AllLinesEVERWritten": "0.00", "AllLinesEVERWrittenIn9Months": "0", "AllLinesEVERWrittenIn6Months": "0" }, "RecentActivities": { "AccountsDeliquent": "1", "AccountsOpened": "1", "TotalInquiries": "5", "AccountsUpdated": "3" } }, "statusCode": 200 }, "derivedFields": { "lastPaymentDate": "2025-08-08", "listOfInstitutions": [ { "institutionName": "Indian Overseas Bank", "noOfTotalAccounts": 14, "noOfOpenAccounts": 1, "longestDurationOfClosedAccounts": 366 }, { "institutionName": "Union Bank of India", "noOfTotalAccounts": 4, "noOfOpenAccounts": 0, "longestDurationOfClosedAccounts": 2502 }, { "institutionName": "Sundaram Finance Limited", "noOfTotalAccounts": 2, "noOfOpenAccounts": 0, "longestDurationOfClosedAccounts": 3102 }, { "institutionName": "Bajaj Finance Limited", "noOfTotalAccounts": 7, "noOfOpenAccounts": 0, "longestDurationOfClosedAccounts": 615 }, { "institutionName": "SBI CARDS AND PAYMENT SERVICES LIMITED", "noOfTotalAccounts": 2, "noOfOpenAccounts": 0, "longestDurationOfClosedAccounts": 295 }, { "institutionName": "HDFC Bank Limited", "noOfTotalAccounts": 1, "noOfOpenAccounts": 0, "longestDurationOfClosedAccounts": 1386 }, { "institutionName": "Home Credit India Finance Private Limited", "noOfTotalAccounts": 1, "noOfOpenAccounts": 0, "longestDurationOfClosedAccounts": 185 }, { "institutionName": "Indusind Bank Limited", "noOfTotalAccounts": 1, "noOfOpenAccounts": 0, "longestDurationOfClosedAccounts": null }, { "institutionName": "Kotak Mahindra Bank Ltd", "noOfTotalAccounts": 1, "noOfOpenAccounts": 0, "longestDurationOfClosedAccounts": null } ] } } ``` ::: ## 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 | ## Mappings: 1. Asset Classification Status: | **CODE** | **MESSAGE** | | -------- | ------------------------------------------------------------------------------------------------------------------------------------ | | STD  | Standard | | SUB  | Sub-standard | | DBT  | Doubtful | | LOSS  | Loss | | SMA  | Special Mention Accounts | | SMA 0 | SMA 0 – Principal or interest payment not overdue for  more than 30 days but account showing signs of  incipient stress. | | SMA 1 | SMA 1 – Principal or interest payment overdue  between 31-60 days | | SMA 2  | SMA 2 – Principal or interest payment overdue  between 61 – 90 days, and NA (Not applicable) | | DBT 1  | Doubtful -1 | | DBT 2  | Doubtful -2 | | DBT 3  | Doubtful -3 | | NPA  | NPA – Non Performing Assets | | 1000  | 0 Day Past Due | | 1001  | 1 Day Past Due | | 1002  | 2 Days Past Due | | 1nnn | Nnn Days Past Due 
Note: Nnn is the actual number of days. 
E.g., report 1114, if the number of days past due is 114  days | 2. Suit Filed Status: | **CODE** | **MESSAGE** | | -------- | ---------------------- | | NS  | Not a Suit Filed Case | | SF  | Suit Filed | | TP  | Trial in Progress | | DI  | Decree issued by court | | ED  | Execution of Decree | ## Status Codes: | **CODE** | **MESSAGE** | | -------- | ------------------- | | 200 | Request successful | | 400 | Validation Error | | 409 | Upstream is down | | 500 | Server Side Error | | 401 | Unauthorised Access | | 429 | Too many Requests | | 499 | Gateway Timeout |