Premium
This Premium Feature makes it easier to pull credit history data through a single API request from two(2) reliable sources ONLY - Credit Registry and First Central.
GET: https://api.creditchek.africa/v1/credit/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/premium?bvn=12345678901' \
--header 'token: {{token}}'
---
Response
{
"status": true,
"data": {
"_id": "636e76xxxxxxxxxx06cfde",
"bvn": "122345678901",
"businessId": "6257xxxxxxxxxx41a1396",
"name": "Ndaka Kadir Hassan",
"phone": "0803xxxxx2620",
"gender": "Male",
"dateOfBirth": "18/02/1994",
"address": "ELEGANZA HOUSE,15B JOSEPH WESLEY STR.BROAD STREET 025 NG LAGOS NIGERIA ",
"email": "",
"score": {
"totalNoOfLoans": [
{
"source": "CREDIT_REGISTRY",
"value": 17
},
{
"source": "FIRST_CENTRAL",
"value": 22
}
],
"totalNoOfInstitutions": [
{
"source": "CREDIT_REGISTRY",
"value": 4
},
{
"source": "FIRST_CENTRAL",
"value": 4
}
],
"totalNoOfActiveLoans": [
{
"source": "CREDIT_REGISTRY",
"value": 4
},
{
"source": "FIRST_CENTRAL",
"value": 5
}
],
"totalBorrowed": [
{
"source": "CREDIT_REGISTRY",
"value": 1572767
},
{
"source": "FIRST_CENTRAL",
"value": 1659875
}
],
"totalOutstanding": [
{
"source": "CREDIT_REGISTRY",
"value": 211927
},
{
"source": "FIRST_CENTRAL",
"value": 341427
}
],
"highestLoanAmount": [
{
"source": "CREDIT_REGISTRY",
"value": 230000
},
{
"source": "FIRST_CENTRAL",
"value": 219000
}
],
"totalOverdue": [
{
"source": "CREDIT_REGISTRY",
"value": null
},
{
"source": "FIRST_CENTRAL",
"value": 0
}
],
"totalNoOfClosedLoans": [
{
"source": "CREDIT_REGISTRY",
"value": 13
},
{
"source": "FIRST_CENTRAL",
"value": 17
}
],
"totalNoOfPerformingLoans": [
{
"source": "CREDIT_REGISTRY",
"value": 17
},
{
"source": "FIRST_CENTRAL",
"value": 22
}
],
"totalNoOfDelinquentFacilities": [
{
"source": "CREDIT_REGISTRY",
"value": null
},
{
"source": "FIRST_CENTRAL",
"value": 0
}
],
"totalMonthlyInstallment": [
{
"source": "CREDIT_REGISTRY",
"value": 26482
},
{
"source": "FIRST_CENTRAL",
"value": 180274
}
],
"totalNoOfOverdueAccounts": [
{
"source": "CREDIT_REGISTRY",
"value": null
},
{
"source": "FIRST_CENTRAL",
"value": 0
}
],
"maxNoOfDays": [
{
"source": "CREDIT_REGISTRY",
"value": null
},
{
"source": "FIRST_CENTRAL",
"value": ""
}
],
"loanHistory": [
{
"source": "CREDIT_REGISTRY",
"value": [
{
"loanProvider": "Ecobank Nigeria Plc",
"loanProviderAddress": "Plot 21 Ahmadu Bello Way Victoria Island Lagos",
"accountNumber": "2583060436",
"type": "Overdraft",
"loanAmount": 0,
"installmentAmount": 0,
"overdueAmount": 0,
"lastPaymentDate": "2023-06-27T00:00:00",
"loanDuration": "2",
"dateReported": "2016-11-24T08:06:20.59",
"disbursedDate": "2023-06-01T00:00:00",
"maturityDate": "2023-06-30T00:00:00",
"performanceStatus": "Performing",
"status": "Open",
"outstandingBalance": 2066,
"collateral": "0",
"collateralValue": 0,
"guarantor": "",
"purpose": "NA",
"paymentHistory": "N000000N00NNNNNNNNNNNNNN",
"lastUpdatedAt": "2023-07-17T18:05:50.32"
},
{
"loanProvider": "Loanbook Limited",
"loanProviderAddress": "188, Herbert Macaulay way, Adekunle, Yaba Yaba Lagos",
"accountNumber": "LN0107219",
"type": "Term Loan",
"loanAmount": 70000,
"installmentAmount": 8458,
"overdueAmount": 0,
"lastPaymentDate": null,
"loanDuration": "12",
"dateReported": "2023-05-30T15:38:47.193",
"disbursedDate": "2023-05-19T00:00:00",
"maturityDate": "2023-05-31T00:00:00",
"performanceStatus": "Performing",
"status": "Open",
"outstandingBalance": 101500,
"collateral": "",
"collateralValue": 0,
"guarantor": "",
"purpose": "NA",
"paymentHistory": "NNN0NNNNNNNNNNNNNNNNNNNN",
"lastUpdatedAt": "2023-06-08T15:52:29.31"
},
{
"loanProvider": "Guaranty Trust Bank Plc",
"loanProviderAddress": "635 Akin Adesola Street Victoria Island Lagos",
"accountNumber": "030104183100010059000",
"type": "Overdraft",
"loanAmount": 0,
"installmentAmount": 10000,
"overdueAmount": 0,
"lastPaymentDate": "2022-05-29T00:00:00",
"loanDuration": "1",
"dateReported": "2022-05-10T21:44:48.85",
"disbursedDate": "2022-05-31T00:00:00",
"maturityDate": "2022-05-31T00:00:00",
"performanceStatus": "Performing",
"status": "Open",
"outstandingBalance": 0,
"collateral": " ",
"collateralValue": 0,
"guarantor": "",
"purpose": "NA",
"paymentHistory": "NNNNNNNNNNNNNN00NNNNNNNN",
"lastUpdatedAt": "2022-06-10T06:59:49.877"
}
]
},
{
"source": "FIRST_CENTRAL",
"value": [
{
"loanProvider": "LoanBook Limited",
"accountNumber": "LN0107219",
"type": "Personal fixed term loan",
"currency": "NGN",
"loanAmount": "67,375.00",
"outstandingBalance": "101,500.00",
"installmentAmount": "8,458.33",
"repaymentFrequency": "Mo",
"overdueAmount": null,
"lastPaymentDate": null,
"loanDuration": "12 Day(s)",
"dateReported": "",
"disbursedDate": "19/05/2023",
"expiryDate": "17/05/2024",
"performanceStatus": "Performing",
"accountStatus": "Open",
"paymentHistory": {
"M01": "#",
"M02": "#",
"M03": "#",
"M04": "0",
"M05": "#",
"M06": "#",
"M07": "#",
"M08": "#",
"M09": "#",
"M10": "#",
"M11": "#",
"M12": "#",
"M13": "#",
"M14": "#",
"M15": "#",
"M16": "#",
"M17": "#",
"M18": "#",
"M19": "#",
"M20": "#",
"M21": "#",
"M22": "#",
"M23": "#",
"M24": "#"
}
},
{
"loanProvider": "LoanBook Limited",
"accountNumber": "LN210941819",
"type": "Personal fixed term loan",
"currency": "NGN",
"loanAmount": "78,400.00",
"outstandingBalance": "0.00",
"installmentAmount": "9,666.67",
"repaymentFrequency": "Mo",
"overdueAmount": null,
"lastPaymentDate": "19/08/2022",
"loanDuration": "12 Day(s)",
"dateReported": "",
"disbursedDate": "23/09/2021",
"expiryDate": "23/09/2022",
"performanceStatus": "Performing",
"accountStatus": "Closed",
"paymentHistory": {
"M01": "#",
"M02": "#",
"M03": "#",
"M04": "0",
"M05": "#",
"M06": "#",
"M07": "0",
"M08": "#",
"M09": "#",
"M10": "#",
"M11": "#",
"M12": "#",
"M13": "0",
"M14": "11",
"M15": "#",
"M16": "10",
"M17": "#",
"M18": "3100",
"M19": "#",
"M20": "0",
"M21": "0",
"M22": "#",
"M23": "0",
"M24": "0"
}
},
{
"loanProvider": "LoanBook Limited",
"accountNumber": "LN220875652",
"type": "Personal fixed term loan",
"currency": "NGN",
"loanAmount": "44,100.00",
"outstandingBalance": "0.00",
"installmentAmount": "5,437.50",
"repaymentFrequency": "Mo",
"overdueAmount": null,
"lastPaymentDate": "16/05/2023",
"loanDuration": "12 Day(s)",
"dateReported": "",
"disbursedDate": "22/08/2022",
"expiryDate": "22/08/2023",
"performanceStatus": "Performing",
"accountStatus": "Closed",
"paymentHistory": {
"M01": "#",
"M02": "#",
"M03": "#",
"M04": "0",
"M05": "#",
"M06": "#",
"M07": "7",
"M08": "#",
"M09": "#",
"M10": "#",
"M11": "#",
"M12": "#",
"M13": "#",
"M14": "#",
"M15": "#",
"M16": "#",
"M17": "#",
"M18": "#",
"M19": "#",
"M20": "#",
"M21": "#",
"M22": "#",
"M23": "#",
"M24": "#"
}
}
]
}
],
"loanPerformance": [
{
"source": "CREDIT_REGISTRY",
"value": [
{
"loanProvider": "Ecobank Nigeria Plc",
"accountNumber": "2583060436",
"loanAmount": 0,
"outstandingBalance": 2066,
"status": "Open",
"performanceStatus": "Performing",
"overdueAmount": 0,
"type": "Overdraft",
"loanDuration": "2",
"repaymentFrequency": "007",
"repaymentBehavior": "None",
"paymentProfile": "N000000N00NNNNNNNNNNNNNN",
"dateAccountOpened": "2023-06-01T00:00:00",
"lastUpdatedAt": "2023-07-17T18:05:50.32",
"loanCount": 1,
"monthlyInstallmentAmt": 0
},
{
"loanProvider": "Loanbook Limited",
"accountNumber": "LN0107219",
"loanAmount": 70000,
"outstandingBalance": 101500,
"status": "Open",
"performanceStatus": "Performing",
"overdueAmount": 0,
"type": "Term Loan",
"loanDuration": "12",
"repaymentFrequency": "003",
"repaymentBehavior": "None",
"paymentProfile": "NNN0NNNNNNNNNNNNNNNNNNNN",
"dateAccountOpened": "2023-05-19T00:00:00",
"lastUpdatedAt": "2023-06-08T15:52:29.31",
"loanCount": 1,
"monthlyInstallmentAmt": 8458
},
{
"loanProvider": "Guaranty Trust Bank Plc",
"accountNumber": "030104183100010059000",
"loanAmount": 0,
"outstandingBalance": 0,
"status": "Open",
"performanceStatus": "Performing",
"overdueAmount": 0,
"type": "Overdraft",
"loanDuration": "1",
"repaymentFrequency": "MONTHLY",
"repaymentBehavior": "None",
"paymentProfile": "NNNNNNNNNNNNNN00NNNNNNNN",
"dateAccountOpened": "2022-05-31T00:00:00",
"lastUpdatedAt": "2022-06-10T06:59:49.877",
"loanCount": 1,
"monthlyInstallmentAmt": 10000
}
]
},
{
"source": "FIRST_CENTRAL",
"value": [
{
"accountNumber": "PSB4117037",
"loanProvider": "Guaranty Trust Bank Plc",
"loanAmount": 0,
"outstandingBalance": 0,
"overdueAmount": 0,
"noOfPerforming": 1,
"noOfNonPerforming": 0,
"loanCount": 1,
"performanceStatus": "Performing",
"status": "Closed"
},
{
"accountNumber": "PSB4117037",
"loanProvider": "Credit Direct Ltd Lagos",
"loanAmount": 1051000,
"outstandingBalance": 129500,
"overdueAmount": 129500,
"noOfPerforming": 13,
"noOfNonPerforming": 0,
"loanCount": 13,
"performanceStatus": "Performing",
"status": "Open"
},
{
"accountNumber": "PSB4117037",
"loanProvider": "LoanBook Limited",
"loanAmount": 189875,
"outstandingBalance": 101500,
"overdueAmount": 101500,
"noOfPerforming": 3,
"noOfNonPerforming": 0,
"loanCount": 3,
"performanceStatus": "Performing",
"status": "Open"
}
]
}
],
"creditEnquiries": [
{
"source": "CREDIT_REGISTRY",
"value": [
{
"loanProvider": "Blue Ridge Microfinance Bank Limited",
"reason": "General credit inquiry",
"date": "2021-09-28T00:00:00",
"contactPhone": "N/A"
},
{
"loanProvider": "Ecobank Nigeria Plc",
"reason": "(Other)",
"date": "2021-09-27T00:00:00",
"contactPhone": "012626638"
},
{
"loanProvider": "Ecobank Nigeria Plc",
"reason": "(Other)",
"date": "2020-02-10T00:00:00",
"contactPhone": "012626638"
}
]
},
{
"source": "FIRST_CENTRAL",
"value": [
{
"loanProvider": "CREDITCHECK AFRICA - CHEKCREDITAPI",
"date": "22/07/2023 18:48:27"
}
]
}
],
"employmentHistory": [
{
"source": "CREDIT_REGISTRY",
"value": []
},
{
"source": "FIRST_CENTRAL",
"value": [
{
"employerName": null,
"occupation": null,
"dateReported": null
}
]
}
],
"creditors": [
{
"source": "CREDIT_REGISTRY",
"value": [
{
"Subscriber_ID": "736913734965625336",
"Name": "Credit Direct Limited",
"Phone": "234-01-4482225",
"Address": "48/50 Isaac John Gra Ikeja Lagos"
},
{
"Subscriber_ID": "732692732692029601",
"Name": "Ecobank Nigeria Plc",
"Phone": "012626638",
"Address": "Plot 21 Ahmadu Bello Way Victoria Island Lagos"
},
{
"Subscriber_ID": "732792726649411955",
"Name": "Guaranty Trust Bank Plc",
"Phone": "262265090",
"Address": "635 Akin Adesola Street Victoria Island Lagos"
},
{
"Subscriber_ID": "737299737152910079",
"Name": "Loanbook Limited",
"Phone": "08094090999",
"Address": "188, Herbert Macaulay way, Adekunle, Yaba Yaba Lagos"
}
]
},
{
"source": "FIRST_CENTRAL",
"value": []
}
],
"creditEnquiriesSummary": [
{
"source": "CREDIT_REGISTRY",
"value": {
"Last3MonthCount": "6",
"Last12MonthCount": "6",
"Last36MonthCount": "10"
}
},
{
"source": "FIRST_CENTRAL",
"value": []
}
],
"lastReportedDate": [
{
"source": "CREDIT_REGISTRY",
"value": null
},
{
"source": "FIRST_CENTRAL",
"value": null
}
],
"bureauStatus": {
"creditRegistry": "success",
"firstCentral": "success"
}
},
"searchedDate": "2022-11-13T22:07:12.798Z",
"lastUpdatedAt": "2022-11-13T22:07:12.798Z"
},
"message": "Request successful",
"error": false
}