> ## Documentation Index
> Fetch the complete documentation index at: https://docs.smartcomply.com/llms.txt
> Use this file to discover all available pages before exploring further.

# 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.

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

<CodeGroup>
  ```bash cURL theme={null}
  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"}'
  ```
</CodeGroup>

## 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                 |

```json theme={null}
{
  "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

```json theme={null}
{
  "status": "failed",
  "data": [],
  "message": "Missing required fields"
}
```

### 401 Unauthorized

```json theme={null}
{
  "status": "failed",
  "message": "Authentication credentials were not provided."
}
```


## OpenAPI

````yaml POST /api/onboarding/individual/credit_registry_history_advanced/
openapi: 3.0.3
info:
  title: Adhere API
  description: >-
    Identity verification, credit checks, transaction monitoring, and loan fraud
    detection across Africa.
  version: 3.0.0
servers:
  - url: https://adhere-api.smartcomply.com
    description: Production
security:
  - ApiKeyAuth: []
tags:
  - name: Nigeria KYC
  - name: Kenya KYC
  - name: Ghana KYC
  - name: Rwanda KYC
  - name: Uganda KYC
  - name: Document Verification
  - name: Biometrics
  - name: Individual Credit
  - name: Business Credit
  - name: Transaction Monitoring
  - name: Transaction Screening
  - name: Transaction KYC
  - name: Loan Fraud
  - name: User Journey
paths:
  /api/onboarding/individual/credit_registry_history_advanced/:
    post:
      tags:
        - Individual Credit
      summary: Credit Registry History Advanced
      operationId: creditRegistryHistoryAdvanced
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
                - bvn
              properties:
                bvn:
                  type: string
                  example: '22244545518'
      responses:
        '200':
          description: Advanced credit history retrieved
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
components:
  responses:
    BadRequest:
      description: Bad Request
      content:
        application/json:
          schema:
            type: object
            properties:
              status:
                type: string
                example: failed
              data:
                type: array
                items: {}
              message:
                type: string
    Unauthorized:
      description: Unauthorized
      content:
        application/json:
          schema:
            type: object
            properties:
              status:
                type: string
                example: failed
              message:
                type: string
                example: Authentication credentials were not provided.
  securitySchemes:
    ApiKeyAuth:
      type: apiKey
      in: header
      name: x-access-token
      description: Your Adhere API secret key

````