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POST
/
api
/
onboarding
/
individual
/
credit_scores_first_central
First Central Credit Score
curl --request POST \
  --url https://adhere-api.smartcomply.com/api/onboarding/individual/credit_scores_first_central/ \
  --header 'Content-Type: application/json' \
  --header 'x-access-token: <api-key>' \
  --data '
{
  "bvn": "22244545518"
}
'
{
  "status": "failed",
  "data": [
    "<unknown>"
  ],
  "message": "<string>"
}
The First Central Credit Score endpoint returns an individual’s consumer credit score from the First Central bureau, along with account condition summaries, outstanding debt totals, and score breakdown metrics.

​
Endpoint

POST /api/onboarding/individual/credit_scores_first_central/

​
Request

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

​
Response

​
200 OK

FieldTypeDescription
data.score.totalConsumerScorestringOverall consumer credit score
data.score.descriptionstringRisk rating (e.g. "LOW RISK", "HIGH RISK")
data.score.totalAccountsstringTotal accounts on record
data.score.totalaccountinGoodconditionstringAccounts in good standing
data.score.totalaccountinBadconditionstringAccounts in bad standing
data.score.totalOutstandingDebtstringTotal outstanding debt
data.score.totalAmountOverduestringTotal amount overdue
data.score.repaymentHistoryScorestringRepayment history score component
data.score.firstCentralEnquiryResultIDstringFirst Central enquiry result ID
{
  "status": "success",
  "data": {
    "_id": "64f600608aaf9386c646de32",
    "bvn": "22244545518",
    "name": "ADELEKE EMMANUEL AYORINDE",
    "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",
      "firstCentralEnquiryResultID": "37181617"
    },
    "searchedDate": "2023-11-23T14:37:04.152Z"
  },
  "message": "Credit Scores individual first central report details retrieved successfully"
}

​
400 Bad Request

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

​
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

First Central credit score retrieved