Credit Registry History Advanced
curl --request POST \
--url https://adhere-api.smartcomply.com/api/onboarding/individual/credit_registry_history_advanced/ \
--header 'Content-Type: application/json' \
--header 'x-access-token: <api-key>' \
--data '
{
"bvn": "22244545518"
}
'import requests
url = "https://adhere-api.smartcomply.com/api/onboarding/individual/credit_registry_history_advanced/"
payload = { "bvn": "22244545518" }
headers = {
"x-access-token": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {'x-access-token': '<api-key>', 'Content-Type': 'application/json'},
body: JSON.stringify({bvn: '22244545518'})
};
fetch('https://adhere-api.smartcomply.com/api/onboarding/individual/credit_registry_history_advanced/', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://adhere-api.smartcomply.com/api/onboarding/individual/credit_registry_history_advanced/",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'bvn' => '22244545518'
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"x-access-token: <api-key>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://adhere-api.smartcomply.com/api/onboarding/individual/credit_registry_history_advanced/"
payload := strings.NewReader("{\n \"bvn\": \"22244545518\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("x-access-token", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://adhere-api.smartcomply.com/api/onboarding/individual/credit_registry_history_advanced/")
.header("x-access-token", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"bvn\": \"22244545518\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://adhere-api.smartcomply.com/api/onboarding/individual/credit_registry_history_advanced/")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["x-access-token"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"bvn\": \"22244545518\"\n}"
response = http.request(request)
puts response.read_body{
"status": "failed",
"data": [
"<unknown>"
],
"message": "<string>"
}{
"status": "failed",
"message": "Authentication credentials were not provided."
}Individuel
Historique Credit Registry avancé
Récupérez l’historique de crédit avancé d’un individu auprès du bureau Credit Registry avec les détails complets des prêts et des demandes.
POST
/
api
/
onboarding
/
individual
/
credit_registry_history_advanced
/
Credit Registry History Advanced
curl --request POST \
--url https://adhere-api.smartcomply.com/api/onboarding/individual/credit_registry_history_advanced/ \
--header 'Content-Type: application/json' \
--header 'x-access-token: <api-key>' \
--data '
{
"bvn": "22244545518"
}
'import requests
url = "https://adhere-api.smartcomply.com/api/onboarding/individual/credit_registry_history_advanced/"
payload = { "bvn": "22244545518" }
headers = {
"x-access-token": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {'x-access-token': '<api-key>', 'Content-Type': 'application/json'},
body: JSON.stringify({bvn: '22244545518'})
};
fetch('https://adhere-api.smartcomply.com/api/onboarding/individual/credit_registry_history_advanced/', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://adhere-api.smartcomply.com/api/onboarding/individual/credit_registry_history_advanced/",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'bvn' => '22244545518'
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"x-access-token: <api-key>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://adhere-api.smartcomply.com/api/onboarding/individual/credit_registry_history_advanced/"
payload := strings.NewReader("{\n \"bvn\": \"22244545518\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("x-access-token", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://adhere-api.smartcomply.com/api/onboarding/individual/credit_registry_history_advanced/")
.header("x-access-token", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"bvn\": \"22244545518\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://adhere-api.smartcomply.com/api/onboarding/individual/credit_registry_history_advanced/")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["x-access-token"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"bvn\": \"22244545518\"\n}"
response = http.request(request)
puts response.read_body{
"status": "failed",
"data": [
"<unknown>"
],
"message": "<string>"
}{
"status": "failed",
"message": "Authentication credentials were not provided."
}L’endpoint Historique Credit Registry avancé renvoie un rapport d’historique de crédit détaillé auprès du bureau Credit Registry, notamment la performance des prêts par compte, les coordonnées des créanciers et les résumés des demandes de crédit.
Endpoint
POST /api/onboarding/individual/credit_registry_history_advanced/
Requête
En-têtes
| En-tête | Valeur | Requis |
|---|---|---|
x-access-token | Votre clé secrète API | Oui |
Content-Type | application/json | Oui |
Paramètres de corps
| Paramètre | Type | Requis | Description |
|---|---|---|---|
bvn | string | Oui | Le numéro d’identification bancaire à 11 chiffres de l’individu |
Exemple
curl -X POST "https://adhere-api.smartcomply.com/api/onboarding/individual/credit_registry_history_advanced/" \
-H "x-access-token: YOUR_SECRET_KEY" \
-H "Content-Type: application/json" \
-d '{"bvn": "22244545518"}'
Réponse
200 OK
| Champ | Type | Description |
|---|---|---|
data.name | string | Nom complet |
data.score.totalNoOfLoans | number | Prêts totaux au dossier |
data.score.totalBorrowed | number | Montant total emprunté |
data.score.creditors | array | Créanciers avec identifiants d’abonné et coordonnées de contact |
data.score.creditEnquiries | array | Demandes de crédit avec raison et date |
data.score.creditEnquiriesSummary | object | Nombre de demandes pour les 3, 12 et 36 derniers mois |
data.score.loanPerformance | array | Performance par compte avec profils de paiement |
{
"status": "success",
"data": {
"_id": "64f600608aaf9386c646de32",
"bvn": "22244545518",
"name": "ADELEKE EMMANUEL AYORINDE",
"gender": "Male",
"dateOfBirth": "29/12/1994",
"score": {
"totalNoOfLoans": 16,
"totalNoOfDelinquentFacilities": 0,
"totalBorrowed": 3761267,
"totalOutstanding": 0,
"creditors": [
{"Subscriber_ID": "737248693595559931", "Name": "NewEdge Finance Limited", "Phone": "008618824674241"}
],
"creditEnquiries": [
{"loanProvider": "Lifegate Microfinance Bank Limited", "reason": "KYCCheck", "date": "2023-11-23T00:00:00"}
],
"creditEnquiriesSummary": {
"Last3MonthCount": "3",
"Last12MonthCount": "4",
"Last36MonthCount": "6"
},
"loanPerformance": [
{"loanProvider": "Sterling Bank Plc", "accountNumber": "0086575839", "status": "Open", "paymentProfile": "NNNNNNNNNNNNNNNNNN0N0N00"}
]
},
"searchedDate": "2023-11-23T14:47:42.824Z"
},
"message": "Credit Registry check successful"
}
400 Bad Request
{
"status": "failed",
"data": [],
"message": "Missing required fields"
}
401 Unauthorized
{
"status": "failed",
"message": "Authentication credentials were not provided."
}

