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Generate credit score data with First Central

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.

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Request Endpoint

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

  • Media-Type: application/json

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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.

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Payload Fields

{
    "bvn": "22244545518"
}

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200 OK Response

{
  "success": true,
  "statusCode": 200,
  "message": "First Central 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": "",
    "searchedDate": "2023-11-23T14:37:04.152Z",
    "score": {
      "totalConsumerScore": "835",
      "description": "LOW RISK",
      "totalAccounts": "23",
      "scoreDate": "11/23/2023",
      "noOfAcctScore": "55/55",
      "totalaccountinGoodcondition": "23",
      "totalaccountinBadcondition": "0",
      "totalOutstandingDebt": "30,719.00",
      "totalAccountarrear": "0",
      "totalAmountOverdue": "0.00",
      "repaymentHistoryScore": "192/192",
      "totalAmountOwedScore": "165/165",
      "typesOfCreditScore": "40/55",
      "lengthOfCreditHistoryScore": "83/83",
      "totalForeignOutstandingDebt": "0.00",
      "totalForeignAccounts": "0",
      "firstCentralEnquiryResultID": "37181617",
      "firstCentralEnquiryEngineID": "2436350"
    }
  }
}