CRC Credit History

Generate credit history data with CRC

Adhere’s CRC Credit Summary endpoint provides users with a comprehensive record of their credit-related activities, including credit accounts, payment timelines, credit utilization, account closures, and instances of delinquency. By leveraging this endpoint, users can gain valuable insights into their credit behavior, assess their creditworthiness, and understand factors influencing their credit standing for effective monitoring and management.

Request Endpoint

POST: {{BASE_URL}}/api/onboarding/individual/crc_summary/

• Media-Type: application/json

Status Codes

• 201 Created: The request was successful, and the business’ credit information is returned successfully.
• 400 Bad Request: The request could not be completed due to invalid or missing information.

Payload Fields

{
    "bvn": "22244545518"
}

200 OK Response

{
  "success": true,
  "statusCode": 200,
  "message": "CRC Credit History",
  "response_code": "00",
  "data": {
    "_id": "64f600608aaf9386c646de32",
    "bvn": "22244545518",
    "customerId": "505327",
    "businessId": "64db7ab8a26e603218838892",
    "name": "ADELEKE EMMANUEL AYORINDE",
    "phone": "",
    "gender": "Male",
    "dateOfBirth": "29/12/1994",
    "address": "",
    "email": "",
    "score": {
      "totalNoOfDelinquentFacilities": "0",
      "lastReportedDate": "30-SEP-2023",
      "totalNoOfLoans": "7",
      "totalNoOfInstitutions": "4",
      "totalNoOfActiveLoans": "6",
      "totalBorrowed": "3,541,267",
      "totalOutstanding": "1",
      "totalOverdue": "0",
      "maxNoOfDays": "0",
      "totalNoOfClosedLoans": 1,
      "crcReportOrderNumber": "W-0097884391/2023"
    },
    "searchedDate": "2023-11-23T14:04:03.722Z"
  }
}

Field Description

Field	Description	Type
success	Indicates whether the request was successful or not.	Boolean
statusCode	The HTTP status code of the response.	Number
message	A message describing the result of the request.	String
response_code	The operational response code.	String
data	An object containing detailed information about the individual’s credit history.	Object
- _id	The unique identifier for the credit history record.	String
- bvn	The Bank Verification Number of the individual.	String
- customerId	The unique identifier assigned to the customer.	String
- businessId	The unique identifier assigned to the business.	String
- name	The full name of the individual.	String
- phone	The phone number of the individual, if available.	String
- gender	The gender of the individual.	String
- dateOfBirth	The date of birth of the individual.	String
- address	The address of the individual, if available.	String
- email	The email address of the individual, if available.	String
- score	An object containing detailed credit score information.	Object
-- totalNoOfDelinquentFacilities	The total number of delinquent facilities.	String
-- lastReportedDate	The date when the credit information was last reported.	String
-- totalNoOfLoans	The total number of loans taken by the individual.	String
-- totalNoOfInstitutions	The total number of institutions the individual has loans with.	String
-- totalNoOfActiveLoans	The total number of active loans.	String
-- totalBorrowed	The total amount borrowed by the individual.	String
-- totalOutstanding	The total outstanding amount on loans.	String
-- totalOverdue	The total overdue amount on loans.	String
-- maxNoOfDays	The maximum number of days overdue on any loan.	String
-- totalNoOfClosedLoans	The total number of loans that have been closed.	Number
-- crcReportOrderNumber	The order number of the CRC report.	String
- searchedDate	The date and time when the credit history was searched.	String