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The Loan Fraud Check API assesses the fraud risk of a loan application by combining external credit report data with the applicant’s financial profile. It computes a fraud risk score and returns an actionable recommendation — Approve, Review, or Reject — for each application.

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How It Works

1

Submit the application

Send the applicant’s BVN (individual) or RC number (business) along with their financial details to the fraud check endpoint.
2

Credit report retrieval

The system fetches the applicant’s current credit history from integrated credit bureaus.
3

Risk score calculation

A rule-based engine evaluates credit history, loan-to-income ratio, applicant age, and other financial factors to compute a fraud risk score.
4

Receive recommendation

The API returns the computed score alongside a clear recommendation for your loan approval workflow.

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Key Features

Real-Time Credit Data

Fetches up-to-date credit histories for a dynamic risk evaluation basis.

Actionable Recommendations

Returns clear Approve, Review, or Reject guidance for each application.

Individual & Business

Supports both individual applicants (BVN) and business applicants (RC number).

Data Validation

Strict validation at the model and serializer levels ensures data integrity.

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Endpoints