CRC Full Report
Get credit full report for individuals
GET: https://api.creditchek.africa/v1/credit/crc-premium?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/crc-premium?bvn=12345678901' \
--header 'token: {{token}}'
---
Response
{
"status": true,
"data": {
"bvn": "12345678901",
"customerId": "111201xxxxxx2488",
"businessId": "628938xxxxxxxxx0013f4d10f",
"name": "OLADAYO KADIR EZE",
"gender": "MALE",
"dateOfBirth": "01-JUL-1901",
"address": "",
"searchedDate": "2022-07-01T12:59:00.463Z",
"score": {
"totalNoOfDelinquentFacilities": 2,
"lastReportedDate": "02/Jul/2023",
"totalNoOfLoans": 7,
"totalNoOfInstitutions": 5,
"totalBorrowed": 3202684,
"totalOutstanding": 726561,
"totalOverdue": 69420,
"maxNoOfDays": null,
"totalNoOfPerformingLoans": 5,
"totalMonthlyInstallment": null,
"totalNoOfClosedLoans": 3,
"totalNoOfActiveLoans": 4,
"creditEnquiries": [
{
"loanType": "Overdraft",
"date": "02-Jul-2023",
"institutionType": "Micro Lenders"
},
{
"loanType": "Overdraft",
"date": "08-Nov-2022",
"institutionType": "Micro Lenders"
},
{
"loanType": "Overdraft",
"date": "14-Jul-2021",
"institutionType": "Commercial Banks"
}
],
"crcReportOrderNumber": "W-0081382662/2023",
"loanPerformance": [
{
"loanProvider": "STANBICIBTC",
"loanAmount": "NGN 800,316",
"accountNumber": "",
"outstandingBalance": "0",
"status": "Closed",
"performanceStatus": "Performing",
"lastUpdatedAt": "",
"overdueAmount": "0",
"type": "",
"loanCount": 1
},
{
"loanProvider": "GT BANK",
"loanAmount": "NGN 185,368",
"accountNumber": "",
"outstandingBalance": "0",
"status": "Closed",
"performanceStatus": "Performing",
"lastUpdatedAt": "",
"overdueAmount": "0",
"type": "",
"loanCount": 2
},
{
"loanProvider": "CREDNET TECHNOLOGIES LIMITED",
"loanAmount": "NGN 1,865,000",
"accountNumber": "",
"outstandingBalance": "665,000",
"status": "Open",
"performanceStatus": "Not Performing",
"lastUpdatedAt": "",
"overdueAmount": "69,420",
"type": "",
"loanCount": 2
},
{
"loanProvider": "CARBON FINANCE AND INVESTMENT LIMITED",
"loanAmount": "NGN 10,000",
"accountNumber": "",
"outstandingBalance": "0",
"status": "Closed",
"performanceStatus": "Performing",
"lastUpdatedAt": "",
"overdueAmount": "0",
"type": "",
"loanCount": 1
},
{
"loanProvider": "STERLING BANK PLC",
"loanAmount": "NGN 342,000",
"accountNumber": "",
"outstandingBalance": "61,561",
"status": "Open",
"performanceStatus": "Not Performing",
"lastUpdatedAt": "",
"overdueAmount": "0",
"type": "",
"loanCount": 1
}
],
"highestLoanAmount": 1800000,
"totalNoOfOverdueAccounts": null,
"loanHistory": [
{
"loanProvider": "CREDNET TECHNOLOGIES LIMITED",
"accountNumber": "849360",
"type": "Others",
"disbursedDate": "27-Jun-2021",
"maturityDate": "27-Jul-2021",
"loanAmount": "65000",
"installmentAmount": "",
"overdueAmount": "69420",
"amountWrittenOff": "",
"currency": "NGN",
"lastPaymentDate": "",
"loanDuration": "",
"dateReported": "30-Nov-2022",
"performanceStatus": "Lost",
"rankings": "4-525",
"reason": "Open",
"outstandingBalance": "65000",
"loanStatus": "A",
"numberOfOverdueDays": "525",
"collateral": "Partially Secured",
"paymentHistory": {
"MONTH1": { "month": "Nov-22", "daysOverdue": "525" },
"MONTH10": { "month": "Feb-22", "daysOverdue": "222" },
"MONTH11": { "month": "Jan-22", "daysOverdue": "226" },
"MONTH12": { "month": "Dec-21", "daysOverdue": "191" },
"MONTH13": { "month": "Nov-21", "daysOverdue": "164" },
"MONTH14": { "month": "Oct-21", "daysOverdue": "130" },
"MONTH15": { "month": "Sep-21", "daysOverdue": "ND" },
"MONTH16": { "month": "Aug-21", "daysOverdue": "91" },
"MONTH17": { "month": "Jul-21", "daysOverdue": "ND" },
"MONTH18": { "month": "Jun-21", "daysOverdue": "ND" },
"MONTH19": { "month": "May-21", "daysOverdue": "ND" },
"MONTH2": { "month": "Oct-22", "daysOverdue": "499" },
"MONTH20": { "month": "Apr-21", "daysOverdue": "ND" },
"MONTH21": { "month": "Mar-21", "daysOverdue": "ND" },
"MONTH22": { "month": "Feb-21", "daysOverdue": "ND" },
"MONTH23": { "month": "Jan-21", "daysOverdue": "ND" },
"MONTH24": { "month": "Dec-20", "daysOverdue": "ND" },
"MONTH3": { "month": "Sep-22", "daysOverdue": "468" },
"MONTH4": { "month": "Aug-22", "daysOverdue": "442" },
"MONTH5": { "month": "Jul-22", "daysOverdue": "405" },
"MONTH6": { "month": "Jun-22", "daysOverdue": "372" },
"MONTH7": { "month": "May-22", "daysOverdue": "316" },
"MONTH8": { "month": "Apr-22", "daysOverdue": "286" },
"MONTH9": { "month": "Mar-22", "daysOverdue": "256" }
}
},
{
"loanProvider": "STERLING BANK PLC",
"accountNumber": "0083381965",
"type": "Others",
"disbursedDate": "",
"maturityDate": "28-Jun-2022",
"loanAmount": "342000",
"installmentAmount": "",
"overdueAmount": "0",
"amountWrittenOff": "",
"currency": "NGN",
"lastPaymentDate": "",
"loanDuration": "",
"dateReported": "31-May-2023",
"performanceStatus": "Lost",
"rankings": "1-0",
"reason": "Open",
"outstandingBalance": "61561",
"loanStatus": "A",
"numberOfOverdueDays": "0",
"collateral": "Unsecured",
"paymentHistory": {
"MONTH1": { "month": "May-23", "daysOverdue": "OK" },
"MONTH10": { "month": "Aug-22", "daysOverdue": "OK" },
"MONTH11": { "month": "Jul-22", "daysOverdue": "ND" },
"MONTH12": { "month": "Jun-22", "daysOverdue": "OK" },
"MONTH13": { "month": "May-22", "daysOverdue": "ND" },
"MONTH14": { "month": "Apr-22", "daysOverdue": "OK" },
"MONTH15": { "month": "Mar-22", "daysOverdue": "OK" },
"MONTH16": { "month": "Feb-22", "daysOverdue": "OK" },
"MONTH17": { "month": "Jan-22", "daysOverdue": "OK" },
"MONTH18": { "month": "Dec-21", "daysOverdue": "OK" },
"MONTH19": { "month": "Nov-21", "daysOverdue": "OK" },
"MONTH2": { "month": "Apr-23", "daysOverdue": "OK" },
"MONTH20": { "month": "Oct-21", "daysOverdue": "OK" },
"MONTH21": { "month": "Sep-21", "daysOverdue": "OK" },
"MONTH22": { "month": "Aug-21", "daysOverdue": "OK" },
"MONTH23": { "month": "Jul-21", "daysOverdue": "OK" },
"MONTH24": { "month": "Jun-21", "daysOverdue": "OK" },
"MONTH3": { "month": "Mar-23", "daysOverdue": "OK" },
"MONTH4": { "month": "Feb-23", "daysOverdue": "OK" },
"MONTH5": { "month": "Jan-23", "daysOverdue": "OK" },
"MONTH6": { "month": "Dec-22", "daysOverdue": "OK" },
"MONTH7": { "month": "Nov-22", "daysOverdue": "OK" },
"MONTH8": { "month": "Oct-22", "daysOverdue": "151" },
"MONTH9": { "month": "Sep-22", "daysOverdue": "OK" }
}
},
{
"loanProvider": "CREDNET TECHNOLOGIES LIMITED",
"accountNumber": "22511571",
"type": "Personal Loan",
"disbursedDate": "13-Apr-2021",
"maturityDate": "13-Apr-2022",
"loanAmount": "1800000",
"installmentAmount": "",
"overdueAmount": "0",
"amountWrittenOff": "",
"currency": "NGN",
"lastPaymentDate": "",
"loanDuration": "",
"dateReported": "30-Nov-2022",
"performanceStatus": "Performing",
"rankings": "1-0",
"reason": "Open",
"outstandingBalance": "600000",
"loanStatus": "A",
"numberOfOverdueDays": "0",
"collateral": "Partially Secured",
"paymentHistory": {
"MONTH1": { "month": "Nov-22", "daysOverdue": "OK" },
"MONTH10": { "month": "Feb-22", "daysOverdue": "251" },
"MONTH11": { "month": "Jan-22", "daysOverdue": "226" },
"MONTH12": { "month": "Dec-21", "daysOverdue": "189" },
"MONTH13": { "month": "Nov-21", "daysOverdue": "167" },
"MONTH14": { "month": "Oct-21", "daysOverdue": "129" },
"MONTH15": { "month": "Sep-21", "daysOverdue": "102" },
"MONTH16": { "month": "Aug-21", "daysOverdue": "ND" },
"MONTH17": { "month": "Jul-21", "daysOverdue": "ND" },
"MONTH18": { "month": "Jun-21", "daysOverdue": "ND" },
"MONTH19": { "month": "May-21", "daysOverdue": "ND" },
"MONTH2": { "month": "Oct-22", "daysOverdue": "OK" },
"MONTH20": { "month": "Apr-21", "daysOverdue": "ND" },
"MONTH21": { "month": "Mar-21", "daysOverdue": "ND" },
"MONTH22": { "month": "Feb-21", "daysOverdue": "ND" },
"MONTH23": { "month": "Jan-21", "daysOverdue": "ND" },
"MONTH24": { "month": "Dec-20", "daysOverdue": "ND" },
"MONTH3": { "month": "Sep-22", "daysOverdue": "462" },
"MONTH4": { "month": "Aug-22", "daysOverdue": "432" },
"MONTH5": { "month": "Jul-22", "daysOverdue": "403" },
"MONTH6": { "month": "Jun-22", "daysOverdue": "375" },
"MONTH7": { "month": "May-22", "daysOverdue": "342" },
"MONTH8": { "month": "Apr-22", "daysOverdue": "309" },
"MONTH9": { "month": "Mar-22", "daysOverdue": "284" }
}
},
{
"loanProvider": "GT BANK",
"accountNumber": "050805734960010013000",
"type": "Overdraft",
"disbursedDate": "",
"maturityDate": "04-Jun-2019",
"loanAmount": "0",
"installmentAmount": "",
"overdueAmount": "0",
"amountWrittenOff": "",
"currency": "NGN",
"lastPaymentDate": "",
"loanDuration": "",
"dateReported": "30-Jun-2019",
"performanceStatus": "Performing",
"rankings": "1-0",
"reason": "Open",
"outstandingBalance": "0",
"loanStatus": "A",
"numberOfOverdueDays": "0",
"collateral": "Unsecured",
"paymentHistory": {
"MONTH1": { "month": "Jun-19", "daysOverdue": "OK" },
"MONTH10": { "month": "Sep-18", "daysOverdue": "ND" },
"MONTH11": { "month": "Aug-18", "daysOverdue": "ND" },
"MONTH12": { "month": "Jul-18", "daysOverdue": "ND" },
"MONTH13": { "month": "Jun-18", "daysOverdue": "ND" },
"MONTH14": { "month": "May-18", "daysOverdue": "ND" },
"MONTH15": { "month": "Apr-18", "daysOverdue": "ND" },
"MONTH16": { "month": "Mar-18", "daysOverdue": "ND" },
"MONTH17": { "month": "Feb-18", "daysOverdue": "ND" },
"MONTH18": { "month": "Jan-18", "daysOverdue": "ND" },
"MONTH19": { "month": "Dec-17", "daysOverdue": "ND" },
"MONTH2": { "month": "May-19", "daysOverdue": "4" },
"MONTH20": { "month": "Nov-17", "daysOverdue": "ND" },
"MONTH21": { "month": "Oct-17", "daysOverdue": "ND" },
"MONTH22": { "month": "Sep-17", "daysOverdue": "ND" },
"MONTH23": { "month": "Aug-17", "daysOverdue": "ND" },
"MONTH24": { "month": "Jul-17", "daysOverdue": "ND" },
"MONTH3": { "month": "Apr-19", "daysOverdue": "OK" },
"MONTH4": { "month": "Mar-19", "daysOverdue": "OK" },
"MONTH5": { "month": "Feb-19", "daysOverdue": "OK" },
"MONTH6": { "month": "Jan-19", "daysOverdue": "OK" },
"MONTH7": { "month": "Dec-18", "daysOverdue": "OK" },
"MONTH8": { "month": "Nov-18", "daysOverdue": "ND" },
"MONTH9": { "month": "Oct-18", "daysOverdue": "ND" }
}
}
],
"employmentHistory": [
{
"employerName": "CHAMPAGNE PROPERTIES",
"position": null,
"address": null,
"dateReported": "30-apr-2023"
}
]
}
},
"message": "Request successful",
"error": false
}