> ## 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.

# First Central Credit Score

## 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.

### Request Endpoint

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

* **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

```json theme={null}
{
    "bvn": "22244545518"
}
```

### 200 OK Response

```json theme={null}
{
    "status": "success",
    "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"
    }
  },
    "message": "Credit Scores individual first central report details retrieved successfully"
}
```

400 Bad Request Response

```json theme={null}
{
    "status": "failed",
    "data": [],
    "message": "Sorry, your check cannot be processed at the moment. Please try again in a few minutes"
}
```