> ## 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.

# CRC Full Credit Report

> Retrieve an individual's full credit report from the CRC bureau, including loan history, performance, and enquiries.

The CRC Full Credit Report endpoint returns a comprehensive credit report from the CRC bureau, including detailed loan history, repayment performance, credit enquiries, and employment history.

## Endpoint

```
POST /api/onboarding/individual/crc_full/
```

## Request

### Headers

| Header           | Value               | Required |
| ---------------- | ------------------- | -------- |
| `x-access-token` | Your API secret key | Yes      |
| `Content-Type`   | `application/json`  | Yes      |

### Body Parameters

| Parameter | Type   | Required | Description                                        |
| --------- | ------ | -------- | -------------------------------------------------- |
| `bvn`     | string | Yes      | The individual's 11-digit Bank Verification Number |

### Example

<CodeGroup>
  ```bash cURL theme={null}
  curl -X POST "https://adhere-api.smartcomply.com/api/onboarding/individual/crc_full/" \
    -H "x-access-token: YOUR_SECRET_KEY" \
    -H "Content-Type: application/json" \
    -d '{"bvn": "22244545518"}'
  ```
</CodeGroup>

## Response

### 200 OK

| Field                             | Type   | Description                      |
| --------------------------------- | ------ | -------------------------------- |
| `data.name`                       | string | Full name                        |
| `data.score.totalNoOfLoans`       | number | Total loans on record            |
| `data.score.totalNoOfActiveLoans` | number | Currently active loans           |
| `data.score.totalNoOfClosedLoans` | number | Closed loans                     |
| `data.score.totalBorrowed`        | number | Total amount borrowed            |
| `data.score.totalOutstanding`     | number | Total outstanding balance        |
| `data.score.highestLoanAmount`    | number | Highest single loan amount       |
| `data.score.creditEnquiries`      | array  | List of credit enquiries         |
| `data.score.loanPerformance`      | array  | Per-lender performance summaries |
| `data.score.loanHistory`          | array  | Detailed loan-by-loan history    |
| `data.score.employmentHistory`    | array  | Employment records on file       |

```json theme={null}
{
  "status": "success",
  "data": {
    "_id": "64f600608aaf9386c646de32",
    "bvn": "22244545518",
    "name": "ADELEKE EMMANUEL AYORINDE",
    "gender": "Male",
    "dateOfBirth": "29/12/1994",
    "score": {
      "totalNoOfDelinquentFacilities": 0,
      "lastReportedDate": "23/Nov/2023",
      "totalNoOfLoans": 29,
      "totalNoOfInstitutions": 6,
      "totalBorrowed": 4145267,
      "totalOutstanding": 1,
      "totalOverdue": 0,
      "totalNoOfPerformingLoans": 29,
      "totalNoOfClosedLoans": 27,
      "totalNoOfActiveLoans": 2,
      "highestLoanAmount": 1134330,
      "crcReportOrderNumber": "W-0097887830/2023",
      "creditEnquiries": [
        {"loanType": "Overdraft", "date": "12-Oct-2023", "institutionType": "Micro Lenders"}
      ],
      "loanPerformance": [
        {"loanProvider": "UNITED BANK FOR AFRICA", "loanAmount": "NGN 1,134,330", "status": "Open", "performanceStatus": "Performing"}
      ],
      "loanHistory": [
        {"loanProvider": "UNITED BANK FOR AFRICA", "accountNumber": "SF099911020938", "type": "Term Loan", "loanAmount": "1134330", "performanceStatus": "Performing"}
      ],
      "employmentHistory": [
        {"employerName": "ARM INVESTMENT MANAGERS", "address": "1 MEKUNWEN ROAD OYINKAN ABAYOMI ETI OSA", "dateReported": "31-jul-2023"}
      ]
    },
    "searchedDate": "2023-11-23T14:26:42.196Z"
  },
  "message": "CRC Full credit report details retrieved successfully"
}
```

### 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/crc_full/
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: 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/crc_full/:
    post:
      tags:
        - Individual Credit
      summary: CRC Full Credit Report
      operationId: crcFull
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
                - bvn
              properties:
                bvn:
                  type: string
                  example: '22244545518'
      responses:
        '200':
          description: CRC full report 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

````