--- title: Credit Analytics EX PDF Report slug: api-marketplace/credit-analytics-ex-pdf-report createdAt: 2024-04-03T10:53:12.290Z --- ## Introduction: The Credit Analytics EX PDF Report API enables patrons to retrieve credit analytics for a given individual using specified parameters such as phone number, PAN (Permanent Account Number), first name, and last name. This API is tailored to deliver comprehensive credit reports, facilitating the assessment of an individual's creditworthiness. ### Key Features - **Credit Information Retrieval**: Patrons can access detailed credit analytics from Credit Analytics EX PDF Report 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 EX PDF Report API offers a convenient solution for fetching credit analytics, aiding in the assessment of individuals' creditworthiness. ### Sample Curl: :::CodeblockTabs preproduction ```curl curl --location 'https://api-preproduction.signzy.app/api/v3/bureau/experian-bureau-report' \ --header 'Content-Type: application/json' \ --header 'Authorization: ' \ --data '{ "phoneNumber": 1234567890, "pan": "ABCDE4289A", "firstName": "John", "lastName": "Doe", "dateOfBirth": "2024-04-01", "pincode": 560026, "consent": { "consentFlag": true, "consentTimestamp": 1707685055, "consentIpAddress": "********", "consentMessageId": "CM_1" } }' ``` Production ```curl curl --location 'https://api.signzy.app/api/v3/bureau/experian-bureau-report' \ --header 'Content-Type: application/json' \ --header 'Authorization: ' \ --data '{ "phoneNumber": 1234567890, "pan": "ABCDE4289A", "firstName": "John", "lastName": "Doe", "dateOfBirth": "2024-04-01", "pincode": 560026, "consent": { "consentFlag": true, "consentTimestamp": 1707685055, "consentIpAddress": "*******", "consentMessageId": "CM_1" } }' ``` ::: ### Request Headers | Key | Value | | ------------- | ---------------- | | Authorization | shared by Signzy | | Content-type | application/json | ### Request Body :::CodeblockTabs 200 OK ```json { "phoneNumber": 1234567890, "pan": "ABCDE4289A", "firstName": "John", "lastName": "Doe", "dateOfBirth": "2024-04-01", "pincode": 560026, "consent": { "consentFlag": true, "consentTimestamp": 1707685055, "consentIpAddress": "127.0.0.1", "consentMessageId": "CM_1" } } ``` ::: ### Input Parameters | Parameter | Type | Mandatory/Optional | Description | | -------------------------- | ------- | ------------------ | ----------------------------------------------------------------------------------------------- | | phoneNumber | Number | Mandatory | The phone number of the individual for whom the Experian report is requested. | | pan | String | Mandatory | The PAN (Permanent Account Number) of the individual. | | firstName | String | Mandatory | The first name of the individual. | | lastName | String | Mandatory | The last name of the individual. | | dateOfBirth | Number | Mandatory | Date of Birth of the user.
Format: yyyy-mm-dd | | pincode | Number | Mandatory | Pincode of the user. | | consent | Object | Mandatory | Consent object by the user. | | consent\[consentFlag] | Boolean | Mandatory | A boolean flag representing if consent is present or not. | | consent\[consentTimestamp] | Number | Mandatory | Timestamp of the consent in seconds or milliseconds. | | consent\[consentIpAddress] | String | Mandatory | Ip address of the user's device giving the consent. | | consent\[consentMessageId] | String | Mandatory | "CM\_1" : 'I hereby consent that I am sharing my consent to signzy to collect my bureau report' | ### Response Body :::CodeblockTabs 200 OK ```json { "statusCode": 200, "message": "SUCCESS", "data": { "jsonExperianReport": { "Header": { "SystemCode": 0, "MessageText": "", "ReportDate": 20240910, "ReportTime": 190938 }, "UserMessage": { "UserMessageText": "Normal Response" }, "CreditProfileHeader": { "ReportDate": 20240910, "ReportTime": 190938, "Version": "V2.4", "ReportNumber": 1725975578209 }, "Current_Application": { "Current_Application_Details": { "Enquiry_Reason": 99, "Finance_Purpose": 99, "Amount_Financed": 0, "Duration_Of_Agreement": 0, "Current_Applicant_Details": { "Last_Name": "DEV", "First_Name": "PRIYAMA", "Middle_Name1": "", "Middle_Name2": "", "Middle_Name3": "", "Gender_Code": 2, "IncomeTaxPan": "EDGPD4009B", "Date_Of_Birth_Applicant": 19921111, "Telephone_Number_Applicant_1st": "", "Telephone_Extension": "", "Telephone_Type": "", "MobilePhoneNumber": 9295390873, "EMailId": "", "genderCodeDescription": "Female" }, "Current_Other_Details": { "Income": 0, "Marital_Status": "", "Employment_Status": "", "Time_with_Employer": "", "Number_of_Major_Credit_Card_Held": "" }, "Current_Applicant_Address_Details": { "FlatNoPlotNoHouseNo": "CHINAR3 CHS", "BldgNoSocietyName": "", "RoadNoNameAreaLocality": "", "City": "Mumbai", "Landmark": "", "State": 27, "PINCode": 400003, "Country_Code": "IB", "stateDescription": "MAHARASHTRA" }, "Current_Applicant_Additional_AddressDetails": "", "enquiryReasonDescription": "Others", "financePurposeDescription": "Others" } }, "CAIS_Account": { "CAIS_Summary": { "Credit_Account": { "CreditAccountTotal": 3, "CreditAccountActive": 3, "CreditAccountDefault": 0, "CreditAccountClosed": 0, "CADSuitFiledCurrentBalance": 0 }, "Total_Outstanding_Balance": { "Outstanding_Balance_Secured": 3000000, "Outstanding_Balance_Secured_Percentage": 100, "Outstanding_Balance_UnSecured": 0, "Outstanding_Balance_UnSecured_Percentage": 0, "Outstanding_Balance_All": 3000000 } }, "CAIS_Account_DETAILS": [ { "Identification_Number": "OTHXXXXXXXX", "Subscriber_Name": "XXXXXXXXXX", "Account_Number": "XXXXXX0S61", "Portfolio_Type": "M", "Account_Type": 2, "Open_Date": 20220615, "Credit_Limit_Amount": "", "Highest_Credit_or_Original_Loan_Amount": 1500000, "Terms_Duration": "", "Terms_Frequency": "", "Scheduled_Monthly_Payment_Amount": "", "Account_Status": 93, "Payment_Rating": 3, "Payment_History_Profile": "3???????????????????????????????????", "Special_Comment": "", "Current_Balance": 1000000, "Amount_Past_Due": 4500000, "Original_Charge_Off_Amount": "", "Date_Reported": 20230510, "Date_of_First_Delinquency": "", "Date_Closed": "", "Date_of_Last_Payment": "", "SuitFiledWillfulDefaultWrittenOffStatus": "", "SuitFiled_WillfulDefault": 1, "Written_off_Settled_Status": "", "Value_of_Credits_Last_Month": "", "Occupation_Code": "", "Settlement_Amount": "", "Value_of_Collateral": "", "Type_of_Collateral": "", "Written_Off_Amt_Total": "", "Written_Off_Amt_Principal": "", "Rate_of_Interest": "", "Repayment_Tenure": 0, "Promotional_Rate_Flag": "", "Income": "", "Income_Indicator": "", "Income_Frequency_Indicator": "", "DefaultStatusDate": "", "LitigationStatusDate": "", "WriteOffStatusDate": "", "DateOfAddition": 20230410, "CurrencyCode": "INR", "Subscriber_comments": "", "Consumer_comments": "", "AccountHoldertypeCode": 1, "CAIS_Account_History": [ { "Year": 2023, "Month": 5, "Days_Past_Due": 90, "Asset_Classification": "S", "assetClassificationDescription": "Asset Classification is Standard" }, { "Year": 2023, "Month": 4, "Days_Past_Due": 90, "Asset_Classification": "S", "assetClassificationDescription": "Asset Classification is Standard" } ], "CAIS_Holder_Details": [ { "Surname_Non_Normalized": "PRIYAMA", "First_Name_Non_Normalized": "DEV", "Middle_Name_1_Non_Normalized": "", "Middle_Name_2_Non_Normalized": "", "Middle_Name_3_Non_Normalized": "", "Alias": "", "Gender_Code": 2, "Date_of_birth": 19921111, "genderCodeDescription": "Female" } ], "CAIS_Holder_Address_Details": [ { "First_Line_Of_Address_non_normalized": "CHINAR3 CHS", "Second_Line_Of_Address_non_normalized": "SV RAOD 3", "Third_Line_Of_Address_non_normalized": "", "City_non_normalized": "", "Fifth_Line_Of_Address_non_normalized": "", "State_non_normalized": 27, "ZIP_Postal_Code_non_normalized": 400003, "CountryCode_non_normalized": "IB", "Address_indicator_non_normalized": 4, "Residence_code_non_normalized": "" } ], "CAIS_Holder_Phone_Details": [ { "Telephone_Number": 9295390873, "Telephone_Type": "", "Telephone_Extension": "", "Mobile_Telephone_Number": "", "FaxNumber": "", "EMailId": "" } ], "CAIS_Holder_ID_Details": [ {} ], "portfolioTypeDescription": "Mortgage Loan", "accountTypeDescription": "HOUSING LOAN", "accountStatusDescription": "Suit Filed(Wilful default)", "suitfiledWillfuldefaultDescription": "Suit Filed", "accountholdertypecodeDescription": "Individual" }, { "Identification_Number": "OTHXXXXXXXX", "Subscriber_Name": "XXXXXXXXXX", "Account_Number": "XXXXXX1S62", "Portfolio_Type": "M", "Account_Type": 2, "Open_Date": 20220615, "Credit_Limit_Amount": "", "Highest_Credit_or_Original_Loan_Amount": 1500000, "Terms_Duration": "", "Terms_Frequency": "", "Scheduled_Monthly_Payment_Amount": "", "Account_Status": 93, "Payment_Rating": 3, "Payment_History_Profile": "?3??????????????????????????????????", "Special_Comment": "", "Current_Balance": 1000000, "Amount_Past_Due": 4500000, "Original_Charge_Off_Amount": "", "Date_Reported": 20230710, "Date_of_First_Delinquency": "", "Date_Closed": "", "Date_of_Last_Payment": "", "SuitFiledWillfulDefaultWrittenOffStatus": "", "SuitFiled_WillfulDefault": 1, "Written_off_Settled_Status": "", "Value_of_Credits_Last_Month": "", "Occupation_Code": "", "Settlement_Amount": "", "Value_of_Collateral": "", "Type_of_Collateral": "", "Written_Off_Amt_Total": "", "Written_Off_Amt_Principal": "", "Rate_of_Interest": "", "Repayment_Tenure": 0, "Promotional_Rate_Flag": "", "Income": "", "Income_Indicator": "", "Income_Frequency_Indicator": "", "DefaultStatusDate": "", "LitigationStatusDate": "", "WriteOffStatusDate": "", "DateOfAddition": 20230510, "CurrencyCode": "INR", "Subscriber_comments": "", "Consumer_comments": "", "AccountHoldertypeCode": 1, "CAIS_Account_History": [ { "Year": 2023, "Month": 7, "Days_Past_Due": 90, "Asset_Classification": "S", "assetClassificationDescription": "Asset Classification is Standard" }, { "Year": 2023, "Month": 5, "Days_Past_Due": 90, "Asset_Classification": "S", "assetClassificationDescription": "Asset Classification is Standard" } ], "CAIS_Holder_Details": [ { "Surname_Non_Normalized": "PRIYAMA", "First_Name_Non_Normalized": "DEV", "Middle_Name_1_Non_Normalized": "", "Middle_Name_2_Non_Normalized": "", "Middle_Name_3_Non_Normalized": "", "Alias": "", "Gender_Code": 2, "Income_TAX_PAN": "EDGPD4009B", "Date_of_birth": 19921111, "genderCodeDescription": "Female" } ], "CAIS_Holder_Address_Details": [ { "First_Line_Of_Address_non_normalized": "CHINAR3 CHS", "Second_Line_Of_Address_non_normalized": "SV RAOD 3", "Third_Line_Of_Address_non_normalized": "", "City_non_normalized": "", "Fifth_Line_Of_Address_non_normalized": "", "State_non_normalized": 27, "ZIP_Postal_Code_non_normalized": 400003, "CountryCode_non_normalized": "IB", "Address_indicator_non_normalized": 4, "Residence_code_non_normalized": "" } ], "CAIS_Holder_Phone_Details": [ { "Telephone_Number": 9295390873, "Telephone_Type": "", "Telephone_Extension": "", "Mobile_Telephone_Number": "", "FaxNumber": "", "EMailId": "" } ], "CAIS_Holder_ID_Details": [ { "Income_TAX_PAN": "EDGPD4009B", "EMailId": "" } ], "portfolioTypeDescription": "Mortgage Loan", "accountTypeDescription": "HOUSING LOAN", "accountStatusDescription": "Suit Filed(Wilful default)", "suitfiledWillfuldefaultDescription": "Suit Filed", "accountholdertypecodeDescription": "Individual" }, { "Identification_Number": "OTHXXXXXXXX", "Subscriber_Name": "XXXXXXXXXX", "Account_Number": "XXXXXX1S61", "Portfolio_Type": "M", "Account_Type": 2, "Open_Date": 20220615, "Credit_Limit_Amount": "", "Highest_Credit_or_Original_Loan_Amount": 1500000, "Terms_Duration": "", "Terms_Frequency": "", "Scheduled_Monthly_Payment_Amount": "", "Account_Status": 93, "Payment_Rating": 3, "Payment_History_Profile": "?3??????????????????????????????????", "Special_Comment": "", "Current_Balance": 1000000, "Amount_Past_Due": 4500000, "Original_Charge_Off_Amount": "", "Date_Reported": 20230710, "Date_of_First_Delinquency": "", "Date_Closed": "", "Date_of_Last_Payment": "", "SuitFiledWillfulDefaultWrittenOffStatus": "", "SuitFiled_WillfulDefault": 1, "Written_off_Settled_Status": "", "Value_of_Credits_Last_Month": "", "Occupation_Code": "", "Settlement_Amount": "", "Value_of_Collateral": "", "Type_of_Collateral": "", "Written_Off_Amt_Total": "", "Written_Off_Amt_Principal": "", "Rate_of_Interest": "", "Repayment_Tenure": 0, "Promotional_Rate_Flag": "", "Income": "", "Income_Indicator": "", "Income_Frequency_Indicator": "", "DefaultStatusDate": "", "LitigationStatusDate": "", "WriteOffStatusDate": "", "DateOfAddition": 20230510, "CurrencyCode": "INR", "Subscriber_comments": "", "Consumer_comments": "", "AccountHoldertypeCode": 1, "CAIS_Account_History": [ { "Year": 2023, "Month": 7, "Days_Past_Due": 90, "Asset_Classification": "S", "assetClassificationDescription": "Asset Classification is Standard" }, { "Year": 2023, "Month": 5, "Days_Past_Due": 90, "Asset_Classification": "S", "assetClassificationDescription": "Asset Classification is Standard" } ], "CAIS_Holder_Details": [ { "Surname_Non_Normalized": "PRIYAMA", "First_Name_Non_Normalized": "DEV", "Middle_Name_1_Non_Normalized": "", "Middle_Name_2_Non_Normalized": "", "Middle_Name_3_Non_Normalized": "", "Alias": "", "Gender_Code": 2, "Income_TAX_PAN": "EDGPD4009B", "Date_of_birth": 19921111, "genderCodeDescription": "Female" } ], "CAIS_Holder_Address_Details": [ { "First_Line_Of_Address_non_normalized": "CHINAR3 CHS", "Second_Line_Of_Address_non_normalized": "SV RAOD 3", "Third_Line_Of_Address_non_normalized": "", "City_non_normalized": "", "Fifth_Line_Of_Address_non_normalized": "", "State_non_normalized": 27, "ZIP_Postal_Code_non_normalized": 400003, "CountryCode_non_normalized": "IB", "Address_indicator_non_normalized": 4, "Residence_code_non_normalized": "" } ], "CAIS_Holder_Phone_Details": [ { "Telephone_Number": 9295390873, "Telephone_Type": "", "Telephone_Extension": "", "Mobile_Telephone_Number": "", "FaxNumber": "", "EMailId": "" } ], "CAIS_Holder_ID_Details": [ { "Income_TAX_PAN": "EDGPD4009B", "EMailId": "" } ], "portfolioTypeDescription": "Mortgage Loan", "accountTypeDescription": "HOUSING LOAN", "accountStatusDescription": "Suit Filed(Wilful default)", "suitfiledWillfuldefaultDescription": "Suit Filed", "accountholdertypecodeDescription": "Individual" } ] }, "Match_result": { "Exact_match": "Y" }, "TotalCAPS_Summary": { "TotalCAPSLast7Days": 100, "TotalCAPSLast30Days": 100, "TotalCAPSLast90Days": 100, "TotalCAPSLast180Days": 102 }, "CAPS": { "CAPS_Summary": { "CAPSLast7Days": 0, "CAPSLast30Days": 0, "CAPSLast90Days": 0, "CAPSLast180Days": 2 }, "CAPS_Application_Details": [ { "Subscriber_code": "OTHXXXXXXXX", "Subscriber_Name": "XXXXXXXXXX", "Date_of_Request": 20240522, "ReportTime": 185634, "ReportNumber": 1716384394009, "Enquiry_Reason": 13, "Finance_Purpose": 99, "Amount_Financed": 30000, "Duration_Of_Agreement": 12, "enquiryReasonDescription": "Personal Loan", "financePurposeDescription": "Others" }, { "Subscriber_code": "OTHXXXXXXXX", "Subscriber_Name": "XXXXXXXXXX", "Date_of_Request": 20240522, "ReportTime": 185606, "ReportNumber": 1716384366068, "Enquiry_Reason": 13, "Finance_Purpose": 99, "Amount_Financed": 30000, "Duration_Of_Agreement": 12, "enquiryReasonDescription": "Personal Loan", "financePurposeDescription": "Others" } ] }, "NonCreditCAPS": { "NonCreditCAPS_Summary": { "NonCreditCAPSLast7Days": 100, "NonCreditCAPSLast30Days": 100, "NonCreditCAPSLast90Days": 100, "NonCreditCAPSLast180Days": 100 }, "CAPS_Application_Details": [ { "Subscriber_code": "OTHXXXXXXXX", "Subscriber_Name": "XXXXXXXXXX", "Date_of_Request": 20240910, "ReportTime": 190937, "ReportNumber": 1725975577981, "Enquiry_Reason": 99, "Finance_Purpose": 99, "Amount_Financed": 0, "Duration_Of_Agreement": 0, "enquiryReasonDescription": "Others", "financePurposeDescription": "Others" } ] }, "SCORE": { "FCIREXScore": 771, "FCIREXScoreConfidLevel": "" } }, "excelExperianReport": "https://preproduction-persist.signzy.tech/api/files/41846636/download/687be41041304bbdaaf0339c3f89c0d59ecfa2e8821c4b02b2685504dfaff863.xlsx", "pdfExperianReport": "https://preproduction-persist.signzy.tech/api/files/41846639/download/ddc784dd94434ae891e5793543ac588fa7da50c624a040519111c5022454b749.pdf" } } ``` ::: ### Status Codes | **CODE** | **MESSAGE** | | -------- | ------------------- | | 200 | Request successful | | 400 | Validation Error | | 404 | Resource not found | | 409 | Upstream is down | | 500 | Server Side Error | | 401 | Unauthorised Access | | 499 | Gateway Timeout | | 429 | Too Many Requests |