Credit Registry Full Report

Get credit full report for individuals

GET: https://api.creditchek.africa/v1/credit/creditRegistry-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/creditRegistry-premium?bvn=12345678901' \
--header 'token: {{token}}'
---

Response

{
  "status": true,
  "data": {
    "_id": "636126xxxxxxxxxxxxa4d2d",
    "bvn": "12345678901",
    "customerId": "73786xxxxxxxx7500",
    "businessId": "62877xxxxxxxxx3f4d0a0",
    "name": "Oyegunle Prince Adekunle",
    "phone": "07061xxxxx79",
    "gender": "Male",
    "dateOfBirth": "01 Nov 1980",
    "address": "1 High Cheif N Close,ph,oil Mill Bus Stop,Rivers",
    "email": "[email protected]",
    "score": {
      "totalNoOfLoans": 7,
      "totalNoOfInstitutions": 1,
      "totalNoOfActiveLoans": 0,
      "totalNoOfClosedLoans": 6,
      "totalNoOfPerformingLoans": 6,
      "totalNoOfDelinquentFacilities": 1,
      "highestLoanAmount": 70000,
      "totalMonthlyInstallment": 0,
      "totalBorrowed": 148480,
      "totalOutstanding": 140000,
      "totalOverdue": 0,
      "maxNoOfDays": 0,
      "creditors": [
        {
          "Subscriber_ID": "737248693595559931",
          "Name": "NewEdge Finance Limited",
          "Phone": "008618824674241",
          "Address": "2a Isaac John Street Ikeja Lagos"
        }
      ],
      "creditEnquiries": [
        {
          "loanProvider": "Lifegate Microfinance Bank Limited",
          "reason": "KYCCheck",
          "date": "2023-07-02T00:00:00",
          "contactPhone": "08129078564\t\t"
        },
        {
          "loanProvider": "FairMoney Microfinance Limited",
          "reason": "General credit inquiry",
          "date": "2023-07-01T00:00:00",
          "contactPhone": "01-7001276\t\t"
        }
      ],
      "creditEnquiriesSummary": {
        "Last3MonthCount": "4",
        "Last12MonthCount": "4",
        "Last36MonthCount": "4"
      },
      "loanPerformance": [
        {
          "loanProvider": "NewEdge Finance Limited",
          "accountNumber": "1749410",
          "loanAmount": 70000,
          "outstandingBalance": 140000,
          "status": "Open",
          "performanceStatus": "Non-performing (sub-standard - 90 days)",
          "overdueAmount": 140000,
          "type": "Salary Advance",
          "loanDuration": "56",
          "repaymentFrequency": "Forthnightly",
          "repaymentBehavior": "None",
          "paymentProfile": "NNN0NNNNNNNNNNNNNNNNNNNN",
          "dateAccountOpened": "2023-04-14T00:00:00",
          "lastUpdatedAt": "2023-06-13T11:12:49.383",
          "loanCount": 1,
          "monthlyInstallmentAmt": 0
        },
        {
          "loanProvider": "NewEdge Finance Limited",
          "accountNumber": "1661606",
          "loanAmount": 29000,
          "outstandingBalance": 0,
          "status": "Closed",
          "performanceStatus": "Paid Off (Closed)",
          "overdueAmount": 0,
          "type": "Salary Advance",
          "loanDuration": "42",
          "repaymentFrequency": "Forthnightly",
          "repaymentBehavior": "None",
          "paymentProfile": "NNNN00NNNNNNNNNNNNNNNNNN",
          "dateAccountOpened": "2023-02-24T00:00:00",
          "lastUpdatedAt": "2023-05-11T15:16:11.31",
          "loanCount": 1,
          "monthlyInstallmentAmt": 0
        },
        {
          "loanProvider": "NewEdge Finance Limited",
          "accountNumber": "1658595",
          "loanAmount": 5000,
          "outstandingBalance": 0,
          "status": "Closed",
          "performanceStatus": "Paid Off (Closed)",
          "overdueAmount": 0,
          "type": "Salary Advance",
          "loanDuration": "7",
          "repaymentFrequency": "Weekly",
          "repaymentBehavior": "None",
          "paymentProfile": "NNNNN0NNNNNNNNNNNNNNNNNN",
          "dateAccountOpened": "2023-02-22T00:00:00",
          "lastUpdatedAt": "2023-05-11T15:00:07.673",
          "loanCount": 1,
          "monthlyInstallmentAmt": 0
        },
        {
          "loanProvider": "NewEdge Finance Limited",
          "accountNumber": "1659358",
          "loanAmount": 17000,
          "outstandingBalance": 0,
          "status": "Closed",
          "performanceStatus": "Paid Off (Closed)",
          "overdueAmount": 0,
          "type": "Salary Advance",
          "loanDuration": "28",
          "repaymentFrequency": "Monthly",
          "repaymentBehavior": "None",
          "paymentProfile": "NNNN00NNNNNNNNNNNNNNNNNN",
          "dateAccountOpened": "2023-02-22T00:00:00",
          "lastUpdatedAt": "2023-05-11T15:13:41.433",
          "loanCount": 1,
          "monthlyInstallmentAmt": 0
        },
        {
          "loanProvider": "NewEdge Finance Limited",
          "accountNumber": "1718054",
          "loanAmount": 5480,
          "outstandingBalance": 0,
          "status": "Closed",
          "performanceStatus": "Paid Off (Closed)",
          "overdueAmount": 0,
          "type": "Salary Advance",
          "loanDuration": "7",
          "repaymentFrequency": "Weekly",
          "repaymentBehavior": "None",
          "paymentProfile": "NNN000NNNNNNNNNNNNNNNNNN",
          "dateAccountOpened": "2019-12-14T00:00:00",
          "lastUpdatedAt": "2023-05-12T18:13:15.28",
          "loanCount": 1,
          "monthlyInstallmentAmt": 0
        },
        {
          "loanProvider": "NewEdge Finance Limited",
          "accountNumber": "1693817",
          "loanAmount": 11000,
          "outstandingBalance": 0,
          "status": "Closed",
          "performanceStatus": "Paid Off (Closed)",
          "overdueAmount": 0,
          "type": "Salary Advance",
          "loanDuration": "14",
          "repaymentFrequency": "Forthnightly",
          "repaymentBehavior": "None",
          "paymentProfile": "NNN000NNNNNNNNNNNNNNNNNN",
          "dateAccountOpened": "2019-12-09T00:00:00",
          "lastUpdatedAt": "2023-05-12T19:30:51.18",
          "loanCount": 1,
          "monthlyInstallmentAmt": 0
        },
        {
          "loanProvider": "NewEdge Finance Limited",
          "accountNumber": "1660124",
          "loanAmount": 11000,
          "outstandingBalance": 0,
          "status": "Closed",
          "performanceStatus": "Paid Off (Closed)",
          "overdueAmount": 0,
          "type": "Salary Advance",
          "loanDuration": "14",
          "repaymentFrequency": "Forthnightly",
          "repaymentBehavior": "None",
          "paymentProfile": "NNN000NNNNNNNNNNNNNNNNNN",
          "dateAccountOpened": "2019-12-02T00:00:00",
          "lastUpdatedAt": "2023-05-12T19:12:24.01",
          "loanCount": 1,
          "monthlyInstallmentAmt": 0
        }
      ],
      "loanHistory": [
        {
          "loanProvider": "NewEdge Finance Limited",
          "loanProviderAddress": "2a Isaac John Street Ikeja Lagos",
          "accountNumber": "1749410",
          "type": "Salary Advance",
          "loanAmount": 70000,
          "installmentAmount": 0,
          "overdueAmount": 140000,
          "lastPaymentDate": null,
          "loanDuration": "56",
          "dateReported": "2023-05-11T11:33:28.07",
          "disbursedDate": "2023-04-14T00:00:00",
          "maturityDate": "2023-05-31T00:00:00",
          "performanceStatus": "Non-performing (sub-standard - 90 days)",
          "status": "Open",
          "outstandingBalance": 140000,
          "collateral": "",
          "collateralValue": 0,
          "guarantor": "",
          "purpose": "NA",
          "paymentHistory": "NNN0NNNNNNNNNNNNNNNNNNNN",
          "lastUpdatedAt": "2023-06-13T11:12:49.383"
        },
        {
          "loanProvider": "NewEdge Finance Limited",
          "loanProviderAddress": "2a Isaac John Street Ikeja Lagos",
          "accountNumber": "1661606",
          "type": "Salary Advance",
          "loanAmount": 29000,
          "installmentAmount": null,
          "overdueAmount": 0,
          "lastPaymentDate": "2023-03-13T00:00:00",
          "loanDuration": "42",
          "dateReported": "2023-03-14T21:37:28.323",
          "disbursedDate": "2023-02-24T00:00:00",
          "maturityDate": "2023-04-30T00:00:00",
          "performanceStatus": "Paid Off (Closed)",
          "status": "Closed",
          "outstandingBalance": 0,
          "collateral": "",
          "collateralValue": 0,
          "guarantor": "",
          "purpose": "NA",
          "paymentHistory": "NNNN00NNNNNNNNNNNNNNNNNN",
          "lastUpdatedAt": "2023-05-11T15:16:11.31"
        },
        {
          "loanProvider": "NewEdge Finance Limited",
          "loanProviderAddress": "2a Isaac John Street Ikeja Lagos",
          "accountNumber": "1658595",
          "type": "Salary Advance",
          "loanAmount": 5000,
          "installmentAmount": null,
          "overdueAmount": 0,
          "lastPaymentDate": "2023-02-22T00:00:00",
          "loanDuration": "7",
          "dateReported": "2023-03-14T21:37:28.323",
          "disbursedDate": "2023-02-22T00:00:00",
          "maturityDate": "2023-04-30T00:00:00",
          "performanceStatus": "Paid Off (Closed)",
          "status": "Closed",
          "outstandingBalance": 0,
          "collateral": "",
          "collateralValue": 0,
          "guarantor": "",
          "purpose": "NA",
          "paymentHistory": "NNNNN0NNNNNNNNNNNNNNNNNN",
          "lastUpdatedAt": "2023-05-11T15:00:07.673"
        },
        {
          "loanProvider": "NewEdge Finance Limited",
          "loanProviderAddress": "2a Isaac John Street Ikeja Lagos",
          "accountNumber": "1659358",
          "type": "Salary Advance",
          "loanAmount": 17000,
          "installmentAmount": null,
          "overdueAmount": 0,
          "lastPaymentDate": "2023-02-23T00:00:00",
          "loanDuration": "28",
          "dateReported": "2023-03-14T21:37:28.323",
          "disbursedDate": "2023-02-22T00:00:00",
          "maturityDate": "2023-04-30T00:00:00",
          "performanceStatus": "Paid Off (Closed)",
          "status": "Closed",
          "outstandingBalance": 0,
          "collateral": "",
          "collateralValue": 0,
          "guarantor": "",
          "purpose": "NA",
          "paymentHistory": "NNNN00NNNNNNNNNNNNNNNNNN",
          "lastUpdatedAt": "2023-05-11T15:13:41.433"
        },
        {
          "loanProvider": "NewEdge Finance Limited",
          "loanProviderAddress": "2a Isaac John Street Ikeja Lagos",
          "accountNumber": "1718054",
          "type": "Salary Advance",
          "loanAmount": 5480,
          "installmentAmount": null,
          "overdueAmount": 0,
          "lastPaymentDate": "2019-12-23T00:00:00",
          "loanDuration": "7",
          "dateReported": "2023-03-22T05:00:29.363",
          "disbursedDate": "2019-12-14T00:00:00",
          "maturityDate": "2023-04-30T00:00:00",
          "performanceStatus": "Paid Off (Closed)",
          "status": "Closed",
          "outstandingBalance": 0,
          "collateral": "",
          "collateralValue": 0,
          "guarantor": "",
          "purpose": "NA",
          "paymentHistory": "NNN000NNNNNNNNNNNNNNNNNN",
          "lastUpdatedAt": "2023-05-12T18:13:15.28"
        },
        {
          "loanProvider": "NewEdge Finance Limited",
          "loanProviderAddress": "2a Isaac John Street Ikeja Lagos",
          "accountNumber": "1693817",
          "type": "Salary Advance",
          "loanAmount": 11000,
          "installmentAmount": null,
          "overdueAmount": 0,
          "lastPaymentDate": "2019-12-24T00:00:00",
          "loanDuration": "14",
          "dateReported": "2023-03-22T05:00:29.363",
          "disbursedDate": "2019-12-09T00:00:00",
          "maturityDate": "2023-04-30T00:00:00",
          "performanceStatus": "Paid Off (Closed)",
          "status": "Closed",
          "outstandingBalance": 0,
          "collateral": "",
          "collateralValue": 0,
          "guarantor": "",
          "purpose": "NA",
          "paymentHistory": "NNN000NNNNNNNNNNNNNNNNNN",
          "lastUpdatedAt": "2023-05-12T19:30:51.18"
        },
        {
          "loanProvider": "NewEdge Finance Limited",
          "loanProviderAddress": "2a Isaac John Street Ikeja Lagos",
          "accountNumber": "1660124",
          "type": "Salary Advance",
          "loanAmount": 11000,
          "installmentAmount": null,
          "overdueAmount": 0,
          "lastPaymentDate": "2019-12-11T00:00:00",
          "loanDuration": "14",
          "dateReported": "2023-03-14T21:37:28.323",
          "disbursedDate": "2019-12-02T00:00:00",
          "maturityDate": "2023-04-30T00:00:00",
          "performanceStatus": "Paid Off (Closed)",
          "status": "Closed",
          "outstandingBalance": 0,
          "collateral": "",
          "collateralValue": 0,
          "guarantor": "",
          "purpose": "NA",
          "paymentHistory": "NNN000NNNNNNNNNNNNNNNNNN",
          "lastUpdatedAt": "2023-05-12T19:12:24.01"
        }
      ]
    },
    "searchedDate": "2022-11-01T13:58:28.924Z"
  },
  "message": "Request successful",
  "error": false
}