Generate Advanced Credit Registry History Report
Overview
Adhere’s CRC Credit Registry Report endpoint provides users with a detailed and comprehensive overview of their credit history. This includes information on credit accounts, payment timelines, credit utilization, account closures, and instances of delinquency. By utilizing this endpoint, users can effectively monitor and manage their credit standing, assess their creditworthiness, and gain insights into factors influencing their credit behavior.Request Endpoint
POST: {{BASE_URL}}/api/onboarding/individual/credit_registry_history_advanced/
- 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
{
"status": "success",
"data": {
"_id": "64f600608aaf9386c646de32",
"bvn": "22244545518",
"customerId": "505327",
"businessId": "64db7ab8a26e603218838892",
"name": "ADELEKE EMMANUEL AYORINDE",
"phone": "",
"gender": "Male",
"dateOfBirth": "29/12/1994",
"address": "",
"email": "",
"score": {
"totalNoOfLoans": 16,
"totalNoOfInstitutions": 5,
"totalNoOfActiveLoans": 1,
"totalNoOfClosedLoans": 15,
"totalNoOfPerformingLoans": 16,
"totalNoOfDelinquentFacilities": 0,
"highestLoanAmount": 1134330,
"totalMonthlyInstallment": 0,
"totalBorrowed": 3761267,
"totalOutstanding": 0,
"totalOverdue": 0,
"maxNoOfDays": 0,
"creditors": [
{
"Subscriber_ID": "737248693595559931",
"Name": "NewEdge Finance Limited",
"Phone": "008618824674241",
"Address": "2a Isaac John Street Ikeja Lagos"
},
{
"Subscriber_ID": "732699732699949972",
"Name": "Zenith Bank Plc",
"Phone": "012610249",
"Address": "Zenith Heights plot 87 Ajose Adeogun Street Victoria Island Lagos"
}
],
"creditEnquiries": [
{
"loanProvider": "Lifegate Microfinance Bank Limited",
"reason": "KYCCheck",
"date": "2023-11-23T00:00:00",
"contactPhone": "08129078564\t\t"
},
{
"loanProvider": "RenMoney MFB Limited",
"reason": "(Other)",
"date": "2020-10-22T00:00:00",
"contactPhone": "070073666639"
}
],
"creditEnquiriesSummary": {
"Last3MonthCount": "3",
"Last12MonthCount": "4",
"Last36MonthCount": "6"
},
"loanPerformance": [
{
"loanProvider": "Sterling Bank Plc",
"accountNumber": "0086575839",
"loanAmount": 0,
"outstandingBalance": 0,
"status": "Open",
"performanceStatus": "Performing",
"overdueAmount": 0,
"type": "",
"loanDuration": "162",
"repaymentFrequency": "",
"repaymentBehavior": "None",
"paymentProfile": "NNNNNNNNNNNNNNNNNN0N0N00",
"dateAccountOpened": "2021-12-20T00:00:00",
"lastUpdatedAt": "2023-08-22T11:24:36.21",
"loanCount": 1,
"monthlyInstallmentAmt": 0
},
{
"loanProvider": "NewEdge Finance Limited",
"accountNumber": "1502272832",
"loanAmount": 35000,
"outstandingBalance": 0,
"status": "Closed",
"performanceStatus": "Paid Off (Closed)",
"overdueAmount": 0,
"type": "Salary Advance",
"loanDuration": "7",
"repaymentFrequency": "Weekly",
"repaymentBehavior": "None",
"paymentProfile": "NNNNNNNN00NNNNNNNNNNNNNN",
"dateAccountOpened": "2022-05-22T00:00:00",
"lastUpdatedAt": "2023-05-12T07:37:45.837",
"loanCount": 1,
"monthlyInstallmentAmt": 0
},
{
"loanProvider": "Page International Financial Service Limited",
"loanProviderAddress": "23 Norman Williams St, \t\t\r\n Ikoyi Lagos",
"accountNumber": "PM19020035779799",
"type": "Revolving Loan",
"loanAmount": 300000,
"installmentAmount": 112752,
"overdueAmount": 0,
"lastPaymentDate": "2019-10-23T00:00:00",
"loanDuration": "3",
"dateReported": "2019-08-16T10:23:59.883",
"disbursedDate": "2019-08-02T00:00:00",
"maturityDate": "2023-09-30T00:00:00",
"performanceStatus": "Paid Off (Closed)",
"status": "Closed",
"outstandingBalance": 0,
"collateral": "",
"collateralValue": 0,
"guarantor": "",
"purpose": "NA",
"paymentHistory": "NNN000N00000080NN0N0000N",
"lastUpdatedAt": "2023-10-13T18:33:43.007"
},
{
"loanProvider": "Page International Financial Service Limited",
"loanProviderAddress": "23 Norman Williams St, \t\t\r\n Ikoyi Lagos",
"accountNumber": "PM19020035764935",
"type": "Revolving Loan",
"loanAmount": 670000,
"installmentAmount": 86996,
"overdueAmount": 0,
"lastPaymentDate": "2020-02-23T00:00:00",
"loanDuration": "12",
"dateReported": "2019-03-22T19:02:45.997",
"disbursedDate": "2019-02-14T00:00:00",
"maturityDate": "2023-09-30T00:00:00",
"performanceStatus": "Paid Off (Closed)",
"status": "Closed",
"outstandingBalance": 0,
"collateral": "",
"collateralValue": 0,
"guarantor": "",
"purpose": "NA",
"paymentHistory": "NNN000N00000000000N0000N",
"lastUpdatedAt": "2023-10-13T18:39:05.293"
}
]
},
"searchedDate": "2023-11-23T14:47:42.824Z"
},
"message": "Credit Registry check successful"
}
Field Description
| Field | Description | Type |
|---|---|---|
status | The status of the request, either “success” or “failed”. | String |
data | An object containing detailed information about the individual’s credit history. | Object |
message | A message describing the result of the request. | String |
- _id | The unique identifier for the credit history record. | String |
- bvn | The Bank Verification Number of the individual. | String |
- customerId | The unique identifier assigned to the customer. | String |
- businessId | The unique identifier assigned to the business. | String |
- name | The full name of the individual. | String |
- phone | The phone number of the individual, if available. | String |
- gender | The gender of the individual. | String |
- dateOfBirth | The date of birth of the individual. | String |
- address | The address of the individual, if available. | String |
- email | The email address of the individual, if available. | String |
- score | An object containing detailed credit score information. | Object |
-- totalNoOfLoans | The total number of loans taken by the individual. | Number |
-- totalNoOfInstitutions | The total number of institutions the individual has loans with. | Number |
-- totalNoOfActiveLoans | The total number of active loans. | Number |
-- totalNoOfClosedLoans | The total number of loans that have been closed. | Number |
-- totalNoOfPerformingLoans | The total number of loans that are performing. | Number |
-- totalNoOfDelinquentFacilities | The total number of delinquent facilities. | Number |
-- highestLoanAmount | The highest loan amount taken by the individual. | Number |
-- totalMonthlyInstallment | The total monthly installment amount, if available. | Number |
-- totalBorrowed | The total amount borrowed by the individual. | Number |
-- totalOutstanding | The total outstanding amount on loans. | Number |
-- totalOverdue | The total overdue amount on loans. | Number |
-- maxNoOfDays | The maximum number of days overdue on any loan. | Number |
-- creditors | A list of creditors associated with the individual’s loans. | Array |
-- creditEnquiries | A list of credit enquiries made by the individual. | Array |
-- creditEnquiriesSummary | A summary of credit enquiries over different time periods. | Object |
-- loanPerformance | A list of loan performance details. | Array |
- searchedDate | The date and time when the credit history was searched. | String |