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POST
/
api
/
onboarding
/
individual
/
credit_registry_full
Credit Registry Full Report
curl --request POST \
  --url https://adhere-api.smartcomply.com/api/onboarding/individual/credit_registry_full/ \
  --header 'Content-Type: application/json' \
  --header 'x-access-token: <api-key>' \
  --data '
{
  "bvn": "22244545518"
}
'
{
  "status": "failed",
  "data": [
    "<unknown>"
  ],
  "message": "<string>"
}
The Credit Registry Full Credit Report endpoint returns a comprehensive credit report from the Credit Registry bureau, including loan history, repayment performance, creditor details, credit enquiries, and an enquiries summary.

​
Endpoint

POST /api/onboarding/individual/credit_registry_full/

​
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_registry_full/" \
  -H "x-access-token: YOUR_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{"bvn": "22244545518"}'

​
Response

​
200 OK

FieldTypeDescription
data.namestringFull name
data.score.totalNoOfLoansnumberTotal loans on record
data.score.totalBorrowednumberTotal amount borrowed
data.score.creditorsarrayList of creditors with contact details
data.score.creditEnquiriesarrayList of credit enquiries with dates and reasons
data.score.creditEnquiriesSummaryobjectEnquiry counts for last 3, 12, and 36 months
data.score.loanPerformancearrayPer-account repayment performance details
data.score.loanHistoryarrayDetailed loan-by-loan history
{
  "status": "success",
  "data": {
    "_id": "64f600608aaf9386c646de32",
    "bvn": "22244545518",
    "name": "ADELEKE EMMANUEL AYORINDE",
    "gender": "Male",
    "dateOfBirth": "29/12/1994",
    "score": {
      "totalNoOfLoans": 16,
      "totalNoOfDelinquentFacilities": 0,
      "totalBorrowed": 3761267,
      "totalOutstanding": 0,
      "creditors": [
        {"Subscriber_ID": "737248693595559931", "Name": "NewEdge Finance Limited", "Phone": "008618824674241"}
      ],
      "creditEnquiries": [
        {"loanProvider": "Lifegate Microfinance Bank Limited", "reason": "KYCCheck", "date": "2023-11-23T00:00:00"}
      ],
      "creditEnquiriesSummary": {
        "Last3MonthCount": "3",
        "Last12MonthCount": "4",
        "Last36MonthCount": "6"
      },
      "loanPerformance": [
        {"loanProvider": "Sterling Bank Plc", "accountNumber": "0086575839", "status": "Open", "performanceStatus": "Performing"}
      ],
      "loanHistory": [
        {"loanProvider": "Sterling Bank Plc", "accountNumber": "0086575839", "type": "", "status": "Open"}
      ]
    },
    "searchedDate": "2023-11-23T14:47:42.824Z"
  },
  "message": "Credit Registry check successful"
}

​
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

Credit Registry full report retrieved