> ## 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.

# First Central Credit Score

> Retrieve an individual's credit score from the First Central bureau using their BVN.

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

### 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_scores_first_central/" \
    -H "x-access-token: YOUR_SECRET_KEY" \
    -H "Content-Type: application/json" \
    -d '{"bvn": "22244545518"}'
  ```
</CodeGroup>

## Response

### 200 OK

| Field                                    | Type   | Description                                    |
| ---------------------------------------- | ------ | ---------------------------------------------- |
| `data.score.totalConsumerScore`          | string | Overall consumer credit score                  |
| `data.score.description`                 | string | Risk rating (e.g. `"LOW RISK"`, `"HIGH RISK"`) |
| `data.score.totalAccounts`               | string | Total accounts on record                       |
| `data.score.totalaccountinGoodcondition` | string | Accounts in good standing                      |
| `data.score.totalaccountinBadcondition`  | string | Accounts in bad standing                       |
| `data.score.totalOutstandingDebt`        | string | Total outstanding debt                         |
| `data.score.totalAmountOverdue`          | string | Total amount overdue                           |
| `data.score.repaymentHistoryScore`       | string | Repayment history score component              |
| `data.score.firstCentralEnquiryResultID` | string | First Central enquiry result ID                |

```json theme={null}
{
  "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

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

### 401 Unauthorized

```json theme={null}
{
  "status": "failed",
  "message": "Authentication credentials were not provided."
}
```


## OpenAPI

````yaml POST /api/onboarding/individual/credit_scores_first_central/
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_scores_first_central/:
    post:
      tags:
        - Individual Credit
      summary: First Central Credit Score
      operationId: creditScoresFirstCentral
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
                - bvn
              properties:
                bvn:
                  type: string
                  example: '22244545518'
      responses:
        '200':
          description: First Central credit score 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

````