CRC Credit Score

Generate credit score data with CRC

Adhere’s Credit Score endpoint provides users with essential insights into their credit history, enabling them to evaluate their creditworthiness, monitor changes, and identify the factors that impact their credit standing.

Request Endpoint

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

• Media-Type: application/json

Status Codes

• 200 OK: 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 Score",
  "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,
      "hasLoans": "YES",
      "ficoScore": {
        "score": 717,
        "rating": "GOOD",
        "reasons": "Applicant is young relative to the other applicants scored. The length of time accounts have been established on the credit report is short relative to the other applicants scored. Time since most recent account opening on the credit report is too short relative to the other applicants scored. The length of time accounts have been established on the credit report is short relative to the other applicants scored."
      },
      "lastReportedDate": "30-SEP-2023",
      "crcReportOrderNumber": "W-0097887747/2023"
    },
    "searchedDate": "2023-11-23T14:25:54.210Z"
  }
}

Field Descriptions

Field	Description	Type
status	This is the returned status of the request either success or failed.	String
code	This is the operational code	Number
data	This is an array of objects which contains every transaction data	Object
- _id	The unique identifier or specific code assigned to a particular user within the database	String
- bvn	The bvn of the user	String
- customerId	The unique identifier or specific code assigned to a particular customer	String
- businessId	The unique identifier or specific code assigned to a particular business	String
- name	The full name of the BVN holder	String
- phone	The phone number of the BVN holder	String
- gender	The gender of the BVN holder	String
- dateOfBirth	The date of birth of the BVN holder	String
- address	The address of the BVN holder	String
- email	The email of the BVN holder	String
- score	This is an array of objects which contains every score	Object
-- totalNoOfDelinquentFacilities	The count of accounts or credit facilities that are overdue or behind on payments according to the credit report	Number
-- hasLoans	This refers to whether an individual has an active loan or credit account listed within their credit report or financial records	String
-- ficoScore	The credit scoring model used to assess an individual’s credit risk and determine their creditworthiness	Num
--- score	The credit score of an individual	Number
--- rating	This refers to the rating of an individual based on their creditworthiness	String
--- reasons	This refers to the factors or explanations influencing an individual credit score	String
-- lastReportedDate	This refers to the most recent date on which information about an account, transaction, or activity was updated or submitted to the credit bureau	String
-- crcReportOrderNumber	The report order number of the credit bureau	String
-searchedDate	The date the credit report was searched	String