> ## 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.

# Lending & Loan Decisioning

> How to use Adhere to verify borrowers, pull credit history, and detect fraudulent loan applications.

Lending decisions depend on two things: knowing the borrower is real, and knowing they can repay. Adhere gives you both — identity verification, credit bureau data, and AI-driven fraud scoring — through a single API.

## Verify the Borrower's Identity First

Before pulling any credit data, confirm the applicant is who they say they are. Use BVN, NIN, or national ID verification to match the submitted details against authoritative government records.

<CardGroup cols={2}>
  <Card title="BVN Verification" icon="id-card" href="/v3/kyc/nigeria/BVN">
    Confirm name, phone, and date of birth against the Bank Verification Number registry.
  </Card>

  <Card title="NIN Verification" icon="fingerprint" href="/v3/kyc/nigeria/nin">
    Verify the applicant's National Identity Number before processing their application.
  </Card>
</CardGroup>

## Pull Their Credit History

Adhere connects to CRC, First Central, and Credit Registry — Nigeria's major credit bureaus — so you can retrieve a full picture of the applicant's borrowing history before making a decision.

<CardGroup cols={2}>
  <Card title="CRC Credit History" icon="chart-bar" href="/v3/credit/individual/CRC_Credit_History">
    Number of loans, active facilities, delinquencies, and total outstanding balance from CRC.
  </Card>

  <Card title="First Central Credit Summary" icon="chart-bar" href="/v3/credit/individual/First_Central_Credit_Summary">
    Summary-level credit data from First Central Credit Bureau.
  </Card>

  <Card title="Credit Registry Full Report" icon="file-lines" href="/v3/credit/individual/Credit_Registry_Full_Credit_Report">
    Detailed credit report including payment history and institution breakdown.
  </Card>

  <Card title="Credit Score" icon="gauge-high" href="/v3/credit/individual/First_Central_Credit_Score">
    Numeric credit score from First Central or CRC to feed directly into your decisioning model.
  </Card>
</CardGroup>

## Run a Loan Fraud Check

The Loan Fraud Check endpoint combines the submitted application data with credit bureau information to produce a fraud risk score (0–100), a repayment assessment, and a recommendation — for both individual and business applicants.

<CardGroup cols={2}>
  <Card title="Individual Fraud Check" icon="user" href="/v3/loan/individual_fraud_check">
    Score an individual application using income, employment, collateral, and credit history data.
  </Card>

  <Card title="Business Fraud Check" icon="building" href="/v3/loan/business_fraud_check">
    Assess a business loan application using company registration, revenue, and credit data.
  </Card>
</CardGroup>

## A Complete Lending Due-Diligence Flow

<Steps>
  <Step title="Verify identity">
    Call BVN or NIN verification to confirm the applicant's name and date of birth match what they submitted.
  </Step>

  <Step title="Pull credit history">
    Retrieve a credit summary or full report from the bureau of your choice. Check for delinquencies, active loans, and total exposure.
  </Step>

  <Step title="Run the fraud check">
    Submit the full application to the Loan Fraud Check endpoint. Receive a fraud risk score, key financial ratios, and a plain-language recommendation.
  </Step>

  <Step title="Make your decision">
    Use the score against your risk threshold to approve, review, or decline — with a full audit trail from each API call.
  </Step>
</Steps>