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POST
/
api
/
onboarding
/
individual
/
credit_scores_crc
CRC Credit Score
curl --request POST \
  --url https://adhere-api.smartcomply.com/api/onboarding/individual/credit_scores_crc/ \
  --header 'Content-Type: application/json' \
  --header 'x-access-token: <api-key>' \
  --data '
{
  "bvn": "22244545518"
}
'
{
  "status": "failed",
  "data": [
    "<unknown>"
  ],
  "message": "<string>"
}

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.

The CRC Credit Score endpoint returns an individual’s FICO credit score from the CRC bureau, along with a rating, contributing factors, and loan summary.

​
Endpoint

POST /api/onboarding/individual/credit_scores_crc/

​
Request

​
Headers

HeaderValueRequired
x-access-tokenYour API secret keyYes
Content-Typeapplication/jsonYes

​
Body Parameters

ParameterTypeRequiredDescription
bvnstringYesThe individual’s 11-digit Bank Verification Number

​
Example

curl -X POST "https://adhere-api.smartcomply.com/api/onboarding/individual/credit_scores_crc/" \
  -H "x-access-token: YOUR_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{"bvn": "22244545518"}'

​
Response

​
200 OK

FieldTypeDescription
data.namestringFull name
data.score.totalNoOfDelinquentFacilitiesnumberNumber of delinquent facilities
data.score.hasLoansstringWhether the individual has active loans ("YES" or "NO")
data.score.ficoScore.scorenumberNumeric FICO credit score
data.score.ficoScore.ratingstringCredit rating (e.g. "GOOD", "FAIR", "POOR")
data.score.ficoScore.reasonsstringFactors influencing the score
data.score.lastReportedDatestringMost recent bureau report date
data.score.crcReportOrderNumberstringCRC report order number
{
  "status": "success",
  "data": {
    "_id": "64f600608aaf9386c646de32",
    "bvn": "22244545518",
    "name": "ADELEKE EMMANUEL AYORINDE",
    "gender": "Male",
    "dateOfBirth": "29/12/1994",
    "score": {
      "totalNoOfDelinquentFacilities": 0,
      "hasLoans": "YES",
      "ficoScore": {
        "score": 717,
        "rating": "GOOD",
        "reasons": "Applicant is young relative to other applicants scored. The length of time accounts have been established is short."
      },
      "lastReportedDate": "30-SEP-2023",
      "crcReportOrderNumber": "W-0097887747/2023"
    },
    "searchedDate": "2023-11-23T14:25:54.210Z"
  },
  "message": "Credit Scores individual CRC report details retrieved successfully"
}

​
400 Bad Request

{
  "status": "failed",
  "data": [],
  "message": "Missing required fields"
}

​
401 Unauthorized

{
  "status": "failed",
  "message": "Authentication credentials were not provided."
}

Authorizations

​
x-access-token
string
header
required

Your Adhere API secret key

Body

application/json
​
bvn
string
required
Example:

"22244545518"

Response

CRC credit score retrieved