> ## 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.

# Credit Registry History Advanced

> Retrieve an individual's advanced credit history from the Credit Registry bureau with full loan and enquiry details.

The Credit Registry History Advanced endpoint returns a detailed credit history report from the Credit Registry bureau, including loan performance per account, creditor contact details, and credit enquiry summaries.

## Endpoint

```
POST /api/onboarding/individual/credit_registry_history_advanced/
```

## 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/credit_registry_history_advanced/" \
    -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.totalBorrowed`          | number | Total amount borrowed                             |
| `data.score.creditors`              | array  | Creditors with subscriber IDs and contact details |
| `data.score.creditEnquiries`        | array  | Credit enquiries with reason and date             |
| `data.score.creditEnquiriesSummary` | object | Enquiry counts for last 3, 12, and 36 months      |
| `data.score.loanPerformance`        | array  | Per-account performance with payment profiles     |

```json theme={null}
{
  "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", "paymentProfile": "NNNNNNNNNNNNNNNNNN0N0N00"}
      ]
    },
    "searchedDate": "2023-11-23T14:47:42.824Z"
  },
  "message": "Credit Registry check successful"
}
```

### 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/credit_registry_history_advanced/
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/credit_registry_history_advanced/:
    post:
      tags:
        - Individual Credit
      summary: Credit Registry History Advanced
      operationId: creditRegistryHistoryAdvanced
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
                - bvn
              properties:
                bvn:
                  type: string
                  example: '22244545518'
      responses:
        '200':
          description: Advanced credit history 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

````