Advanced
This Advanced Feature makes it easier to pull credit history data through a single API request from three(3) reliable sources ONLY - CRC, First Central, and Credit Registry.
GET: https://api.creditchek.africa/v1/credit/advanced?bvn=12345678901
Sample request BVN: 12345678901 and 98765432101
Request Parameters
| Name | Position | Required | Description |
|---|---|---|---|
| token | Headers | True | app public key |
| bvn | query | True | user bvn |
Example Request
---
curl --location --request GET 'https://api.creditchek.africa/v1/credit/advanced?bvn=12345678901' \
--header 'token: {{token}}'
---
Sample respense for no credit data found for the bvn
{
"status": false,
"message": "No credit data available for this borrower",
"error": true,
"data": {}
}
Response
{
"status": true,
"data": {
"bvn": "12345678901",
"name": "OLIYIDE OLUSESAN MUJAID",
"_id": "6361413xxxxxxxxx4df7cf",
"gender": "Male",
"dateOfBirth": "23/10/1963",
"address": "15 17 SULIMON OGUNSEYE STREET ODUBALE AKUTE",
"phone": "0805xxxxx226",
"email": "",
"score": {
"totalNoOfLoans": [
{
"source": "CRC",
"value": 16
},
{
"source": "FIRST_CENTRAL",
"value": 14
},
{
"source": "CREDIT_REGISTRY",
"value": 7
}
],
"totalNoOfInstitutions": [
{
"source": "CRC",
"value": 5
},
{
"source": "FIRST_CENTRAL",
"value": 4
},
{
"source": "CREDIT_REGISTRY",
"value": 3
}
],
"totalNoOfActiveLoans": [
{
"source": "CRC",
"value": 5
},
{
"source": "FIRST_CENTRAL",
"value": 7
},
{
"source": "CREDIT_REGISTRY",
"value": 4
}
],
"totalNoOfClosedLoans": [
{
"source": "CRC",
"value": 11
},
{
"source": "FIRST_CENTRAL",
"value": 7
},
{
"source": "CREDIT_REGISTRY",
"value": 3
}
],
"totalNoOfDelinquentFacilities": [
{
"source": "CRC",
"value": 0
},
{
"source": "FIRST_CENTRAL",
"value": 0
},
{
"source": "CREDIT_REGISTRY",
"value": 0
}
],
"totalBorrowed": [
{
"source": "CRC",
"value": 19371750
},
{
"source": "FIRST_CENTRAL",
"value": 21937254.17
},
{
"source": "CREDIT_REGISTRY",
"value": 10119535
}
],
"totalOutstanding": [
{
"source": "CRC",
"value": 2732979
},
{
"source": "FIRST_CENTRAL",
"value": "6,930,746.00"
},
{
"source": "CREDIT_REGISTRY",
"value": 3546464
}
],
"highestLoanAmount": [
{
"source": "CRC",
"value": 2900000
},
{
"source": "FIRST_CENTRAL",
"value": 3911000
},
{
"source": "CREDIT_REGISTRY",
"value": 3399785
}
],
"totalOverdue": [
{
"source": "CRC",
"value": 15955
},
{
"source": "FIRST_CENTRAL",
"value": "80,697.00"
},
{
"source": "CREDIT_REGISTRY",
"value": 0
}
],
"maxNoOfDays": [
{
"source": "CRC",
"value": null
},
{
"source": "FIRST_CENTRAL",
"value": ""
},
{
"source": "CREDIT_REGISTRY",
"value": 0
}
],
"totalNoOfPerformingLoans": [
{
"source": "CRC",
"value": 16
},
{
"source": "FIRST_CENTRAL",
"value": 14
},
{
"source": "CREDIT_REGISTRY",
"value": 7
}
],
"totalMonthlyInstallment": [
{
"source": "CRC",
"value": 0
},
{
"source": "FIRST_CENTRAL",
"value": "719,735.00"
},
{
"source": "CREDIT_REGISTRY",
"value": 166984
}
],
"totalNoOfOverdueAccounts": [
{
"source": "CRC",
"value": 0
},
{
"source": "FIRST_CENTRAL",
"value": "1"
},
{
"source": "CREDIT_REGISTRY",
"value": 0
}
],
"loanPerformance": [
{
"source": "CRC",
"value": [
{
"loanProvider": "FIRST BANK OF NIGERIA LIMITED",
"loanAmount": "NGN 5,050,000",
"accountNumber": "",
"outstandingBalance": "337,146",
"status": "Open",
"performanceStatus": "Performing",
"lastUpdatedAt": "",
"overdueAmount": "15,955",
"type": "",
"loanCount": 3
},
{
"loanProvider": "OLABISI ONABANJO UNIVERSITY MICROFINANCE BANK",
"loanAmount": "NGN 3,040,000",
"accountNumber": "",
"outstandingBalance": "0",
"status": "Closed",
"performanceStatus": "Performing",
"lastUpdatedAt": "",
"overdueAmount": "0",
"type": "",
"loanCount": 6
},
{
"loanProvider": "ASTRA POLARIS MICROFINANCE BANK LIMITED",
"loanAmount": "NGN 2,500,000",
"accountNumber": "",
"outstandingBalance": "2,395,833",
"status": "Open",
"performanceStatus": "Performing",
"lastUpdatedAt": "",
"overdueAmount": "0",
"type": "",
"loanCount": 1
},
{
"loanProvider": "RENMONEY MICROFINANCE BANK LIMITED",
"loanAmount": "NGN 1,569,750",
"accountNumber": "",
"outstandingBalance": "0",
"status": "Closed",
"performanceStatus": "Performing",
"lastUpdatedAt": "",
"overdueAmount": "0",
"type": "",
"loanCount": 3
}
]
},
{
"source": "FIRST_CENTRAL",
"value": [
{
"accountNumber": "771C030007922",
"loanProvider": "OOU Microfinance Bank Limited Ogun",
"loanAmount": 3370000,
"outstandingBalance": 0,
"overdueAmount": 0,
"noOfPerforming": 5,
"noOfNonPerforming": 0,
"loanCount": 5,
"performanceStatus": "Performing",
"status": "Closed"
},
{
"accountNumber": "771C030007922",
"loanProvider": "First City Monument Bank Ltd Lagos",
"loanAmount": 13517254.17,
"outstandingBalance": 6593600.42,
"overdueAmount": 6593600.42,
"noOfPerforming": 5,
"noOfNonPerforming": 0,
"loanCount": 5,
"performanceStatus": "Performing",
"status": "Open"
},
{
"accountNumber": "771C030007922",
"loanProvider": "First Bank Plc Lagos",
"loanAmount": 5050000,
"outstandingBalance": 337146.42,
"overdueAmount": 337146.42,
"noOfPerforming": 3,
"noOfNonPerforming": 0,
"loanCount": 3,
"performanceStatus": "Performing",
"status": "Open"
}
]
},
{
"source": "CREDIT_REGISTRY",
"value": [
{
"loanProvider": "Astra Polaris Microfinance Bank",
"accountNumber": "50862",
"loanAmount": 3399785,
"outstandingBalance": 3209318,
"status": "Open",
"performanceStatus": "Performing",
"overdueAmount": 0,
"type": "Term Loan",
"loanDuration": "78",
"repaymentFrequency": "003",
"repaymentBehavior": "None",
"paymentProfile": "NNN00000NNNNNNNNNNNNNNNN",
"dateAccountOpened": "2020-02-06T00:00:00",
"lastUpdatedAt": "2022-10-07T14:35:12.223",
"loanCount": 1,
"monthlyInstallmentAmt": 43586
},
{
"loanProvider": "First Bank of Nigeria Plc",
"accountNumber": "771C030007922",
"loanAmount": 2900000,
"outstandingBalance": 337146,
"status": "Open",
"performanceStatus": "Performing",
"overdueAmount": 0,
"type": "Term Loan",
"loanDuration": "1095",
"repaymentFrequency": "003",
"repaymentBehavior": "None",
"paymentProfile": "NNN000000000000000000000",
"dateAccountOpened": "2019-09-18T00:00:00",
"lastUpdatedAt": "2022-10-12T19:02:37.69",
"loanCount": 1,
"monthlyInstallmentAmt": 115921
},
{
"loanProvider": "First Bank of Nigeria Plc",
"accountNumber": "203xxxxx293",
"loanAmount": 100000,
"outstandingBalance": 0,
"status": "Open",
"performanceStatus": "Performing",
"overdueAmount": 0,
"type": "Overdraft",
"loanDuration": "0",
"repaymentFrequency": "3",
"repaymentBehavior": "Non-performing (lost - 360 days) - 1 time",
"paymentProfile": "NNNNNNNNNNNNNNNNNNNNN000",
"dateAccountOpened": "2018-11-12T00:00:00",
"lastUpdatedAt": "2021-04-06T18:30:32.81",
"loanCount": 1,
"monthlyInstallmentAmt": 0
},
{
"loanProvider": "First Bank of Nigeria Plc",
"accountNumber": "771C030006700",
"loanAmount": 2150000,
"outstandingBalance": 0,
"status": "Open",
"performanceStatus": "Performing",
"overdueAmount": 0,
"type": "Term Loan",
"loanDuration": "730",
"repaymentFrequency": "3",
"repaymentBehavior": "None",
"paymentProfile": "NNNNNNNNNNNNNNNNNNNNNNNN",
"dateAccountOpened": "2018-10-15T00:00:00",
"lastUpdatedAt": "2020-11-04T10:45:12.07",
"loanCount": 1,
"monthlyInstallmentAmt": 7477
},
{
"loanProvider": "RenMoney MFB Limited",
"accountNumber": "1321380921",
"loanAmount": 523250,
"outstandingBalance": 0,
"status": "Closed",
"performanceStatus": "Paid Off (Closed)",
"overdueAmount": 0,
"type": "MFB loan",
"loanDuration": "12",
"repaymentFrequency": "MONTHS",
"repaymentBehavior": "None",
"paymentProfile": "NNNNNNNNNNNNNNNNNNNNNNNN",
"dateAccountOpened": "2013-08-01T00:00:00",
"lastUpdatedAt": "2020-03-26T02:57:29.717",
"loanCount": 1,
"monthlyInstallmentAmt": 0
}
]
}
],
"loanHistory": [
{
"source": "CRC",
"value": [
{
"loanProvider": "PRIMERA MICROFINANCE BANK LIMITED",
"accountNumber": "1002500417",
"type": "Others",
"disbursedDate": "20-Jul-2021",
"maturityDate": "20-May-2023",
"loanAmount": "191583",
"installmentAmount": "",
"overdueAmount": "61078",
"amountWrittenOff": "",
"currency": "NGN",
"lastPaymentDate": "",
"loanDuration": "",
"dateReported": "31-Mar-2023",
"performanceStatus": "Lost",
"rankings": "2-165",
"reason": "Open",
"outstandingBalance": "17417",
"loanStatus": "A",
"numberOfOverdueDays": "165",
"collateral": "Partially Secured",
"paymentHistory": {
"MONTH1": {
"month": "Mar-23",
"daysOverdue": "165"
},
"MONTH10": {
"month": "Jun-22",
"daysOverdue": "ND"
},
"MONTH11": {
"month": "May-22",
"daysOverdue": "132"
},
"MONTH12": {
"month": "Apr-22",
"daysOverdue": "102"
},
"MONTH13": {
"month": "Mar-22",
"daysOverdue": "71"
},
"MONTH14": {
"month": "Feb-22",
"daysOverdue": "71"
},
"MONTH15": {
"month": "Jan-22",
"daysOverdue": "73"
},
"MONTH16": {
"month": "Dec-21",
"daysOverdue": "44"
},
"MONTH17": {
"month": "Nov-21",
"daysOverdue": "ND"
},
"MONTH18": {
"month": "Oct-21",
"daysOverdue": "ND"
},
"MONTH19": {
"month": "Sep-21",
"daysOverdue": "ND"
},
"MONTH2": {
"month": "Feb-23",
"daysOverdue": "132"
},
"MONTH20": {
"month": "Aug-21",
"daysOverdue": "ND"
},
"MONTH21": {
"month": "Jul-21",
"daysOverdue": "ND"
},
"MONTH22": {
"month": "Jun-21",
"daysOverdue": "ND"
},
"MONTH23": {
"month": "May-21",
"daysOverdue": "ND"
},
"MONTH24": {
"month": "Apr-21",
"daysOverdue": "ND"
},
"MONTH3": {
"month": "Jan-23",
"daysOverdue": "196"
},
"MONTH4": {
"month": "Dec-22",
"daysOverdue": "167"
},
"MONTH5": {
"month": "Nov-22",
"daysOverdue": "134"
},
"MONTH6": {
"month": "Oct-22",
"daysOverdue": "134"
},
"MONTH7": {
"month": "Sep-22",
"daysOverdue": "105"
},
"MONTH8": {
"month": "Aug-22",
"daysOverdue": "104"
},
"MONTH9": {
"month": "Jul-22",
"daysOverdue": "134"
}
}
},
{
"loanProvider": "KEYSTONE BANK LIMITED",
"accountNumber": "LD2127866678",
"type": "Payday Loan or Salary Advance",
"disbursedDate": "",
"maturityDate": "24-Mar-2024",
"loanAmount": "300000",
"installmentAmount": "",
"overdueAmount": "0",
"amountWrittenOff": "",
"currency": "NGN",
"lastPaymentDate": "",
"loanDuration": "",
"dateReported": "31-Mar-2023",
"performanceStatus": "Performing",
"rankings": "1-0",
"reason": "Open",
"outstandingBalance": "125548",
"loanStatus": "A",
"numberOfOverdueDays": "0",
"collateral": "Fully Secured",
"paymentHistory": {
"MONTH1": {
"month": "Mar-23",
"daysOverdue": "OK"
},
"MONTH10": {
"month": "Jun-22",
"daysOverdue": "OK"
},
"MONTH11": {
"month": "May-22",
"daysOverdue": "OK"
},
"MONTH12": {
"month": "Apr-22",
"daysOverdue": "OK"
},
"MONTH13": {
"month": "Mar-22",
"daysOverdue": "OK"
},
"MONTH14": {
"month": "Feb-22",
"daysOverdue": "OK"
},
"MONTH15": {
"month": "Jan-22",
"daysOverdue": "OK"
},
"MONTH16": {
"month": "Dec-21",
"daysOverdue": "OK"
},
"MONTH17": {
"month": "Nov-21",
"daysOverdue": "OK"
},
"MONTH18": {
"month": "Oct-21",
"daysOverdue": "OK"
},
"MONTH19": {
"month": "Sep-21",
"daysOverdue": "OK"
},
"MONTH2": {
"month": "Feb-23",
"daysOverdue": "OK"
},
"MONTH20": {
"month": "Aug-21",
"daysOverdue": "OK"
},
"MONTH21": {
"month": "Jul-21",
"daysOverdue": "9"
},
"MONTH22": {
"month": "Jun-21",
"daysOverdue": "OK"
},
"MONTH23": {
"month": "May-21",
"daysOverdue": "OK"
},
"MONTH24": {
"month": "Apr-21",
"daysOverdue": "OK"
},
"MONTH3": {
"month": "Jan-23",
"daysOverdue": "OK"
},
"MONTH4": {
"month": "Dec-22",
"daysOverdue": "OK"
},
"MONTH5": {
"month": "Nov-22",
"daysOverdue": "OK"
},
"MONTH6": {
"month": "Oct-22",
"daysOverdue": "OK"
},
"MONTH7": {
"month": "Sep-22",
"daysOverdue": "OK"
},
"MONTH8": {
"month": "Aug-22",
"daysOverdue": "OK"
},
"MONTH9": {
"month": "Jul-22",
"daysOverdue": "OK"
}
}
}
]
},
{
"source": "FIRST_CENTRAL",
"value": [
{
"loanProvider": "Keystone Bank",
"accountNumber": "1003639397",
"type": "Personal Overdraft",
"currency": "NGN",
"loanAmount": "0.00",
"installmentAmount": null,
"repaymentFrequency": "We",
"overdueAmount": "0.00",
"lastPaymentDate": "16/07/2021",
"loanDuration": "Not Available",
"dateReported": "",
"disbursedDate": "07/01/2021",
"expiryDate": "20/05/2023",
"outstandingBalance": "0.00",
"performanceStatus": "Performing",
"accountStatus": "Closed",
"paymentHistory": {
"M01": "#",
"M02": "#",
"M03": "#",
"M04": "#",
"M05": "#",
"M06": "#",
"M07": "#",
"M08": "#",
"M09": "#",
"M10": "#",
"M11": "#",
"M12": "#",
"M13": "#",
"M14": "#",
"M15": "#",
"M16": "#",
"M17": "#",
"M18": "#",
"M19": "#",
"M20": "#",
"M21": "#",
"M22": "#",
"M23": "0",
"M24": "#"
}
},
{
"loanProvider": "Keystone Bank",
"accountNumber": "LD2127866678",
"type": "Payday Loan or salary advance",
"currency": "NGN",
"loanAmount": "300,000.00",
"installmentAmount": "125,547.52",
"repaymentFrequency": "Mo",
"overdueAmount": "0.00",
"lastPaymentDate": "24/03/2023",
"loanDuration": "1101 Day(s)",
"dateReported": "",
"disbursedDate": "19/03/2021",
"expiryDate": "24/12/2022",
"outstandingBalance": "125,547.52",
"performanceStatus": "Performing",
"accountStatus": "Open",
"paymentHistory": {
"M01": "#",
"M02": "#",
"M03": "0",
"M04": "0",
"M05": "0",
"M06": "0",
"M07": "0",
"M08": "0",
"M09": "0",
"M10": "0",
"M11": "0",
"M12": "0",
"M13": "0",
"M14": "#",
"M15": "0",
"M16": "0",
"M17": "0",
"M18": "0",
"M19": "0",
"M20": "0",
"M21": "0",
"M22": "0",
"M23": "9",
"M24": "0"
}
},
{
"loanProvider": "PRIMERA Credit MFB",
"accountNumber": "1002500417",
"type": null,
"currency": "NGN",
"loanAmount": "191,583.34",
"installmentAmount": "16,650.33",
"repaymentFrequency": "Mo",
"overdueAmount": "61,078.32",
"lastPaymentDate": null,
"loanDuration": "22 Day(s)",
"dateReported": "",
"disbursedDate": "20/07/2021",
"expiryDate": "31/12/2018",
"outstandingBalance": "17,416.74",
"performanceStatus": "Lost",
"accountStatus": "Open",
"paymentHistory": {
"M01": "#",
"M02": "#",
"M03": "165",
"M04": "132",
"M05": "196",
"M06": "167",
"M07": "#",
"M08": "134",
"M09": "105",
"M10": "#",
"M11": "#",
"M12": "#",
"M13": "#",
"M14": "#",
"M15": "#",
"M16": "#",
"M17": "#",
"M18": "44",
"M19": "#",
"M20": "#",
"M21": "#",
"M22": "#",
"M23": "#",
"M24": "#"
}
}
]
},
{
"source": "CREDIT_REGISTRY",
"value": [
{
"loanProvider": "Astra Polaris Microfinance Bank",
"loanProviderAddress": "Astra polaris building,safari junction,onikolobo Abeokuta\t\t\r\n Abeokua Ogun",
"accountNumber": "50862",
"type": "Term Loan",
"loanAmount": 3399785,
"installmentAmount": 43586,
"overdueAmount": 0,
"lastPaymentDate": "2021-10-15T00:00:00",
"loanDuration": "78",
"dateReported": "2022-05-11T23:22:15.69",
"performanceStatus": "Performing",
"status": "Open",
"outstandingBalance": 3209318,
"collateral": "",
"collateralValue": 0,
"guarantor": "",
"purpose": "NA",
"paymentHistory": []
},
{
"loanProvider": "First Bank of Nigeria Plc",
"loanProviderAddress": "Samuel Asabia House\r\n35 Marina Lagos Island Lagos",
"accountNumber": "771C030007922",
"type": "Term Loan",
"loanAmount": 2900000,
"installmentAmount": 115921,
"overdueAmount": 0,
"lastPaymentDate": "2022-09-01T00:00:00",
"loanDuration": "1095",
"dateReported": "2019-10-07T16:45:31.49",
"performanceStatus": "Performing",
"status": "Open",
"outstandingBalance": 337146,
"collateral": "",
"collateralValue": 0,
"guarantor": "",
"purpose": "NA",
"paymentHistory": []
},
{
"loanProvider": "First Bank of Nigeria Plc",
"loanProviderAddress": "Samuel Asabia House\r\n35 Marina Lagos Island Lagos",
"accountNumber": "2033619293",
"type": "Overdraft",
"loanAmount": 100000,
"installmentAmount": 0,
"overdueAmount": 0,
"lastPaymentDate": "2021-02-01T00:00:00",
"loanDuration": "0",
"dateReported": "2019-04-08T11:49:36.64",
"performanceStatus": "Performing",
"status": "Open",
"outstandingBalance": 0,
"collateral": "",
"collateralValue": 0,
"guarantor": "",
"purpose": "NA",
"paymentHistory": []
},
{
"loanProvider": "First Bank of Nigeria Plc",
"loanProviderAddress": "Samuel Asabia House\r\n35 Marina Lagos Island Lagos",
"accountNumber": "771C030006700",
"type": "Term Loan",
"loanAmount": 2150000,
"installmentAmount": 7477,
"overdueAmount": 0,
"lastPaymentDate": "2020-09-29T00:00:00",
"loanDuration": "730",
"dateReported": "2019-02-14T15:45:45.26",
"performanceStatus": "Performing",
"status": "Open",
"outstandingBalance": 0,
"collateral": "",
"collateralValue": 0,
"guarantor": "",
"purpose": "NA",
"paymentHistory": []
},
{
"loanProvider": "RenMoney MFB Limited",
"loanProviderAddress": "89 Awolowo Road Ikoyi Lagos",
"accountNumber": "1321380921",
"type": "MFB loan",
"loanAmount": 523250,
"installmentAmount": 0,
"overdueAmount": 0,
"lastPaymentDate": "2016-06-02T00:00:00",
"loanDuration": "12",
"dateReported": "2018-05-24T16:52:06.03",
"performanceStatus": "Paid Off (Closed)",
"status": "Closed",
"outstandingBalance": 0,
"collateral": "None",
"collateralValue": 0,
"guarantor": "",
"purpose": "NA",
"paymentHistory": []
},
{
"loanProvider": "RenMoney MFB Limited",
"loanProviderAddress": "89 Awolowo Road Ikoyi Lagos",
"accountNumber": "LD1321380921",
"type": "Term Loan",
"loanAmount": 523250,
"installmentAmount": 0,
"overdueAmount": 0,
"lastPaymentDate": "2015-10-08T00:00:00",
"loanDuration": "12",
"dateReported": "2016-07-22T21:29:19.237",
"performanceStatus": "Paid Off (Closed)",
"status": "Closed",
"outstandingBalance": 0,
"collateral": "None",
"collateralValue": 0,
"guarantor": "",
"purpose": "Personal",
"paymentHistory": []
},
{
"loanProvider": "RenMoney MFB Limited",
"loanProviderAddress": "89 Awolowo Road Ikoyi Lagos",
"accountNumber": "ZD1321380921",
"type": "Term Loan",
"loanAmount": 523250,
"installmentAmount": 0,
"overdueAmount": 0,
"lastPaymentDate": "2016-06-02T00:00:00",
"loanDuration": "12",
"dateReported": "2016-01-19T06:53:02.723",
"performanceStatus": "Paid Off (Closed)",
"status": "Closed",
"outstandingBalance": 0,
"collateral": "None",
"collateralValue": 0,
"guarantor": "",
"purpose": "Personal",
"paymentHistory": []
}
]
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