Individual Credit Report

Individual Credit Report

POST {{baseurl}}/v2/api/identity/credit-report/ng/individual

Headers

Request Body

Individual Credit Report

This service allows you to retrieve the Credit Report for an individual.

{
    "id": "22471069115",
    "isSubjectConsent": true,
    "consumerName": "",
    "accountNumber": "",
    "dateOfBirth": "",
    "enquiryReason": "borrower_existing_credit"
}
{
    "success": true,
    "statusCode": 200,
    "message": "success",
    "data": {
        "id": "64c71833e975429f54bfdaf4",
        "parentId": null,
        "status": "found",
        "reason": null,
        "personalDetailsSummary": [
            {
                "consumerID": "2599049",
                "header": "PERSONAL DETAILS SUMMARY: Amos Testi ",
                "referenceNo": null,
                "nationality": "Nigeria",
                "nationalIDNo": "",
                "passportNo": null,
                "driversLicenseNo": null,
                "bankVerificationNo": "22471069115",
                "pencomIDNo": "",
                "otheridNo": "",
                "birthDate": "26/01/1977",
                "dependants": "0",
                "gender": "Female",
                "maritalStatus": null,
                "residentialAddress1": "College Road Abaro Aladje",
                "residentialAddress2": "Delta",
                "residentialAddress3": "",
                "residentialAddress4": " ",
                "postalAddress1": null,
                "postalAddress2": null,
                "postalAddress3": null,
                "postalAddress4": null,
                "homeTelephoneNo": null,
                "workTelephoneNo": null,
                "cellularNo": "",
                "emailAddress": "",
                "employerDetail": null,
                "propertyOwnedType": "",
                "surname": "Amos",
                "firstName": "Testi",
                "otherNames": "",
                "_id": "64c71835e975429f54bfdaf6"
            }
        ],
        "deliquencyInformation": [
            {
                "subscriberName": "",
                "accountNo": "",
                "periodNum": "",
                "monthsinArrears": "",
                "_id": "64c71835e975429f54bfdaf7"
            }
        ],
        "creditAccountSummary": [
            {
                "totalMonthlyInstalment": "17,205.00",
                "totalOutstandingdebt": "0.00",
                "totalAccountarrear": "2",
                "amountarrear": "0.00",
                "totalAccounts": "7",
                "totalAccounts1": "0",
                "totalaccountinGodcondition": "6",
                "totalaccountinGoodcondition": "6",
                "totalNumberofJudgement": "0",
                "totalJudgementAmount": "0",
                "lastJudgementDate": "-",
                "totalNumberofDishonoured": "0",
                "totalDishonouredAmount": "0.00",
                "lastBouncedChequesDate": null,
                "totalMonthlyInstalment1": "0.00",
                "totalOutstandingdebt1": "0.00",
                "totalAccountarrear1": "0",
                "amountarrear1": "0.00",
                "totalaccountinGodcondition1": "0",
                "totalaccountinBadcondition": "0",
                "totalNumberofJudgement1": "0",
                "totalJudgementAmount1": "0",
                "lastJudgementDate1": "-",
                "totalNumberofDishonoured1": "0",
                "totalDishonouredAmount1": "0.00",
                "lastBouncedChequesDate1": null,
                "rating": "118",
                "_id": "64c71835e975429f54bfdaf8"
            }
        ],
        "creditAccountRating": [
            {
                "noOfHomeLoanAccountsGood": "0",
                "noOfHomeLoanAccountsBad": "0",
                "noOfAutoLoanccountsGood": "0",
                "noOfAutoLoanAccountsBad": "0",
                "noOfStudyLoanAccountsGood": "0",
                "noOfStudyLoanAccountsBad": "0",
                "noOfPersonalLoanAccountsGood": "0",
                "noOfPersonalLoanAccountsBad": "0",
                "noOfCreditCardAccountsGood": "0",
                "noOfCreditCardAccountsBad": "0",
                "noOfRetailAccountsGood": "0",
                "noOfRetailAccountsBad": "0",
                "noOfJointLoanAccountsGood": "0",
                "noOfJointLoanAccountsBad": "0",
                "noOfTelecomAccountsGood": "0",
                "noOfTelecomAccountsBad": "0",
                "noOfOtherAccountsGood": "6",
                "noOfOtherAccountsBad": "0",
                "_id": "64c71835e975429f54bfdaf9"
            }
        ],
        "creditAgreementSummary": [
            {
                "dateAccountOpened": "19/08/2021",
                "subscriberName": "LAPO Microfinance Bank Limited Edo",
                "accountNo": "032SPLG212310004",
                "subAccountNo": "",
                "indicatorDescription": null,
                "openingBalanceAmt": "150,000.00",
                "currency": "NGN",
                "currentBalanceDebitInd": null,
                "currentBalanceAmt": null,
                "instalmentAmount": null,
                "amountOverdue": "0.00",
                "closedDate": "21/03/2022",
                "loanDuration": "214",
                "repaymentFrequency": "We",
                "lastUpdatedDate": "21/04/2023",
                "performanceStatus": "Performing",
                "accountStatus": "Closed",
                "_id": "64c71835e975429f54bfdafa"
            },
            {
                "dateAccountOpened": "18/11/2020",
                "subscriberName": "LAPO Microfinance Bank Limited Edo",
                "accountNo": "032SPLI000000088",
                "subAccountNo": "",
                "indicatorDescription": null,
                "openingBalanceAmt": "85,298.25",
                "currency": "NGN",
                "currentBalanceDebitInd": null,
                "currentBalanceAmt": null,
                "instalmentAmount": null,
                "amountOverdue": "0.00",
                "closedDate": "18/05/2021",
                "loanDuration": "151",
                "repaymentFrequency": "We",
                "lastUpdatedDate": "21/04/2023",
                "performanceStatus": "Watchlist",
                "accountStatus": "Closed",
                "_id": "64c71835e975429f54bfdafb"
            },
            {
                "dateAccountOpened": "31/08/2017",
                "subscriberName": "LAPO Microfinance Bank Limited Edo",
                "accountNo": "5014734231",
                "subAccountNo": "",
                "indicatorDescription": null,
                "openingBalanceAmt": "60,000.00",
                "currency": "NGN",
                "currentBalanceDebitInd": null,
                "currentBalanceAmt": "0.00",
                "instalmentAmount": "2,406.06",
                "amountOverdue": "0.00",
                "closedDate": "04/04/2018",
                "loanDuration": "7",
                "repaymentFrequency": "Weekly",
                "lastUpdatedDate": "30/08/2018",
                "performanceStatus": "Performing",
                "accountStatus": "Closed",
                "_id": "64c71835e975429f54bfdafc"
            },
            {
                "dateAccountOpened": "17/04/2018",
                "subscriberName": "LAPO Microfinance Bank Limited Edo",
                "accountNo": "5015245293",
                "subAccountNo": "",
                "indicatorDescription": null,
                "openingBalanceAmt": "90,000.00",
                "currency": "NGN",
                "currentBalanceDebitInd": null,
                "currentBalanceAmt": "0.00",
                "instalmentAmount": "3,615.23",
                "amountOverdue": "0.00",
                "closedDate": "21/11/2018",
                "loanDuration": "7",
                "repaymentFrequency": "Weekly",
                "lastUpdatedDate": "11/01/2019",
                "performanceStatus": "Performing",
                "accountStatus": "Closed",
                "_id": "64c71835e975429f54bfdafd"
            },
            {
                "dateAccountOpened": "07/12/2018",
                "subscriberName": "LAPO Microfinance Bank Limited Edo",
                "accountNo": "5015825706",
                "subAccountNo": "",
                "indicatorDescription": null,
                "openingBalanceAmt": "100,000.00",
                "currency": "NGN",
                "currentBalanceDebitInd": null,
                "currentBalanceAmt": "0.00",
                "instalmentAmount": "4,016.92",
                "amountOverdue": "0.00",
                "closedDate": "17/07/2019",
                "loanDuration": "7",
                "repaymentFrequency": "Not Available",
                "lastUpdatedDate": "01/05/2019",
                "performanceStatus": "Performing",
                "accountStatus": "Closed",
                "_id": "64c71835e975429f54bfdafe"
            },
            {
                "dateAccountOpened": "20/05/2020",
                "subscriberName": "LAPO Microfinance Bank Limited Edo",
                "accountNo": "5016864710",
                "subAccountNo": "",
                "indicatorDescription": null,
                "openingBalanceAmt": "150,000.00",
                "currency": "NGN",
                "currentBalanceDebitInd": null,
                "currentBalanceAmt": "0.00",
                "instalmentAmount": "6,000.02",
                "amountOverdue": "0.00",
                "closedDate": "16/12/2020",
                "loanDuration": "7",
                "repaymentFrequency": "Weekly",
                "lastUpdatedDate": "17/12/2020",
                "performanceStatus": "Performing",
                "accountStatus": "Closed",
                "_id": "64c71835e975429f54bfdaff"
            },
            {
                "dateAccountOpened": "03/09/2020",
                "subscriberName": "LAPO Microfinance Bank Limited Edo",
                "accountNo": "5470023209",
                "subAccountNo": "",
                "indicatorDescription": null,
                "openingBalanceAmt": "12,850.00",
                "currency": "NGN",
                "currentBalanceDebitInd": null,
                "currentBalanceAmt": "0.00",
                "instalmentAmount": "1,167.12",
                "amountOverdue": "0.00",
                "closedDate": "02/09/2021",
                "loanDuration": "365",
                "repaymentFrequency": "Not Available",
                "lastUpdatedDate": "30/11/2020",
                "performanceStatus": "Performing",
                "accountStatus": "Closed",
                "_id": "64c71835e975429f54bfdb00"
            }
        ],
        "accountMonthlyPaymentHistory": [
            {
                "dateAccountOpened": "19/08/2021",
                "subscriberName": "LAPO Microfinance Bank Limited Edo",
                "accountNo": "032SPLG212310004",
                "subAccountNo": "",
                "currency": "NGN",
                "currentBalanceDebitInd": null,
                "indicatorDescription": null,
                "monthlyInstalmentAmt": null,
                "lastPaymentDate": null,
                "subscriberTypeInd": "M",
                "accountNote": "",
                "repaymentFrequencyCode": "We",
                "openingBalanceAmt": "150,000.00",
                "currentBalanceAmt": null,
                "amountOverdue": "0.00",
                "closedDate": "21/03/2022",
                "lastUpdatedDate": "21/04/2023",
                "performanceStatus": "Performing",
                "loanDuration": "214 Day(s)",
                "accountStatus": "Closed",
                "_id": "64c71835e975429f54bfdb01"
            },
            {
                "dateAccountOpened": "18/11/2020",
                "subscriberName": "LAPO Microfinance Bank Limited Edo",
                "accountNo": "032SPLI000000088",
                "subAccountNo": "",
                "currency": "NGN",
                "currentBalanceDebitInd": null,
                "indicatorDescription": null,
                "monthlyInstalmentAmt": null,
                "lastPaymentDate": null,
                "subscriberTypeInd": "M",
                "accountNote": "",
                "repaymentFrequencyCode": "We",
                "openingBalanceAmt": "85,298.25",
                "currentBalanceAmt": null,
                "amountOverdue": "0.00",
                "closedDate": "18/05/2021",
                "lastUpdatedDate": "21/04/2023",
                "performanceStatus": "Watchlist",
                "loanDuration": "151 Day(s)",
                "accountStatus": "Closed",
                "_id": "64c71835e975429f54bfdb02"
            },
            {
                "dateAccountOpened": "31/08/2017",
                "subscriberName": "LAPO Microfinance Bank Limited Edo",
                "accountNo": "5014734231",
                "subAccountNo": "",
                "currency": "NGN",
                "currentBalanceDebitInd": null,
                "indicatorDescription": null,
                "monthlyInstalmentAmt": "0.00",
                "lastPaymentDate": null,
                "subscriberTypeInd": "M",
                "accountNote": "",
                "repaymentFrequencyCode": "Weekly",
                "openingBalanceAmt": "60,000.00",
                "currentBalanceAmt": "2,406.06",
                "amountOverdue": "0.00",
                "closedDate": "04/04/2018",
                "lastUpdatedDate": "30/08/2018",
                "performanceStatus": "Performing",
                "loanDuration": "7 Day(s)",
                "accountStatus": "Closed",
                "_id": "64c71835e975429f54bfdb03"
            },
            {
                "dateAccountOpened": "17/04/2018",
                "subscriberName": "LAPO Microfinance Bank Limited Edo",
                "accountNo": "5015245293",
                "subAccountNo": "",
                "currency": "NGN",
                "currentBalanceDebitInd": null,
                "indicatorDescription": null,
                "monthlyInstalmentAmt": "0.00",
                "lastPaymentDate": null,
                "subscriberTypeInd": "M",
                "accountNote": "",
                "repaymentFrequencyCode": "Weekly",
                "openingBalanceAmt": "90,000.00",
                "currentBalanceAmt": "3,615.23",
                "amountOverdue": "0.00",
                "closedDate": "21/11/2018",
                "lastUpdatedDate": "11/01/2019",
                "performanceStatus": "Performing",
                "loanDuration": "7 Day(s)",
                "accountStatus": "Closed",
                "_id": "64c71835e975429f54bfdb04"
            },
            {
                "dateAccountOpened": "07/12/2018",
                "subscriberName": "LAPO Microfinance Bank Limited Edo",
                "accountNo": "5015825706",
                "subAccountNo": "",
                "currency": "NGN",
                "currentBalanceDebitInd": null,
                "indicatorDescription": null,
                "monthlyInstalmentAmt": "0.00",
                "lastPaymentDate": "27/03/2019",
                "subscriberTypeInd": "M",
                "accountNote": "",
                "repaymentFrequencyCode": "Not Available",
                "openingBalanceAmt": "100,000.00",
                "currentBalanceAmt": "4,016.92",
                "amountOverdue": "0.00",
                "closedDate": "17/07/2019",
                "lastUpdatedDate": "01/05/2019",
                "performanceStatus": "Performing",
                "loanDuration": "7 Day(s)",
                "accountStatus": "Closed",
                "_id": "64c71835e975429f54bfdb05"
            },
            {
                "dateAccountOpened": "20/05/2020",
                "subscriberName": "LAPO Microfinance Bank Limited Edo",
                "accountNo": "5016864710",
                "subAccountNo": "",
                "currency": "NGN",
                "currentBalanceDebitInd": null,
                "indicatorDescription": null,
                "monthlyInstalmentAmt": "0.00",
                "lastPaymentDate": "25/11/2020",
                "subscriberTypeInd": "M",
                "accountNote": "",
                "repaymentFrequencyCode": "Weekly",
                "openingBalanceAmt": "150,000.00",
                "currentBalanceAmt": "6,000.02",
                "amountOverdue": "0.00",
                "closedDate": "16/12/2020",
                "lastUpdatedDate": "17/12/2020",
                "performanceStatus": "Performing",
                "loanDuration": "7 Day(s)",
                "accountStatus": "Closed",
                "_id": "64c71835e975429f54bfdb06"
            },
            {
                "dateAccountOpened": "03/09/2020",
                "subscriberName": "LAPO Microfinance Bank Limited Edo",
                "accountNo": "5470023209",
                "subAccountNo": "",
                "currency": "NGN",
                "currentBalanceDebitInd": null,
                "indicatorDescription": null,
                "monthlyInstalmentAmt": "0.00",
                "lastPaymentDate": "02/09/2021",
                "subscriberTypeInd": "M",
                "accountNote": "",
                "repaymentFrequencyCode": "Not Available",
                "openingBalanceAmt": "12,850.00",
                "currentBalanceAmt": "1,167.12",
                "amountOverdue": "0.00",
                "closedDate": "02/09/2021",
                "lastUpdatedDate": "30/11/2020",
                "performanceStatus": "Performing",
                "loanDuration": "365 Day(s)",
                "accountStatus": "Closed",
                "_id": "64c71835e975429f54bfdb07"
            }
        ],
        "guarantorCount": [
            {
                "guarantorsSecured": "0",
                "accounts": "0",
                "_id": "64c71835e975429f54bfdb08"
            }
        ],
        "guarantorDetails": [
            {
                "guarantorFirstName": "",
                "guarantorOtherName": "",
                "guarantorNationalIDNo": "",
                "guarantorPassport": "",
                "guarantorDriverLicenceNo": "",
                "guarantorPENCOMIDNo": "",
                "guarantorOtherID": "",
                "guarantorGender": "",
                "guarantorDateOfBirth": "",
                "guarantorAddress1": "",
                "guarantorAddress2": "",
                "guarantorAddress3": "",
                "guarantorHomeTelephone": "",
                "guarantorworkTelephone": "",
                "guarantorMobileTelephone": "",
                "_id": "64c71835e975429f54bfdb09"
            }
        ],
        "enquiryHistoryTop": [
            {
                "subscriberEnquiryResultID": null,
                "dateRequested": null,
                "subscriberName": null,
                "enquiryReason": null,
                "companyTelephoneNo": null,
                "_id": "64c71835e975429f54bfdb0a"
            }
        ],
        "identificationHistory": [
            {
                "upDateDate": null,
                "upDateOnDate": null,
                "identificationNumber": null,
                "identificationType": null,
                "_id": "64c71835e975429f54bfdb0b"
            }
        ],
        "addressHistory": [
            {
                "upDateDate": null,
                "upDateOnDate": null,
                "address1": null,
                "address2": null,
                "address3": null,
                "address4": null,
                "addressTypeInd": null,
                "_id": "64c71835e975429f54bfdb0c"
            }
        ],
        "employmentHistory": [
            {
                "upDateDate": null,
                "upDateOnDate": null,
                "employerDetail": null,
                "occupation": null,
                "_id": "64c71835e975429f54bfdb0d"
            }
        ],
        "telephoneHistory": [],
        "isConsent": true,
        "idNumber": "22471069115",
        "businessId": "628b38f03ae28a14f52d4bf7",
        "type": "ngIndividualCreditReport",
        "requestedAt": "2023-07-31T02:11:00.924Z",
        "requestedById": "628b38f03ae28a5a122d4bf3",
        "country": "NG",
        "createdAt": "2023-07-31T02:11:01.142Z",
        "lastModifiedAt": "2023-07-31T02:11:01.142Z",
        "metadata": {},
        "requestedBy": {
            "firstName": "API",
            "lastName": "User",
            "middleName": "",
            "id": "628b38f03ae28a5a122d4bf3"
        }
    },
    "links": []
}
{
  "success": false,
  "statusCode": 404,
  "message": "You have attempted to get a resource that does not exist.",
  "name": "ResourceNotFoundError",
  "data": {}
}

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