Full Report
GET: https://api.creditchek.africa/v1/credit/ke/individual-premium?firstName=Surname 5392&lastName=Othername 5392&nationalID=5392
Request Parameters​
| Name | Position | Required | Description | 
|---|---|---|---|
| token | Headers | True | app public key | 
| firstName | query | True | user first name | 
| lastName | query | True | user last name | 
| nationalID | query | True | user national ID | 
Example Request
---
curl --location --request GET 'https://api.creditchek.africa/v1/credit/ke/individual-premium?firstName=Surname 5392&lastName=Othername 5392&nationalID=5392' \
--header 'token: {{token}}'
---
Response
{
  "status": true,
  "data": {
    "_id": "636e768d8215a2e2fb06cfde",
    "nationalID": "5392",
    "fullName": "surname 5392 Othernames 5392",
    "gender": "M",
    "dateOfBirth": "1970-04-04T00:00:00-05:00",
    "surname": "surname 5392",
    "otherNames": "Othernames 5392",
    "searchedDate": "2025-04-29T11:12:14.145Z",
    "score": {
      "accountList": [
        {
          "accountNo": "9060004139068",
          "accountStatus": {},
          "accountType": "LOAN ACCOUNT",
          "arrearAmount": "0.0",
          "arrearDays": "0",
          "balanceAmount": "0.0",
          "currency": "BOV",
          "currentNpl": "false",
          "disputed": "false",
          "isMyAccount": "false",
          "lastPaymentAmount": "7829.58",
          "lastPaymentDate": "2021-05-05T00:00:00+02:00",
          "listingDate": "2021-02-25T00:00:00+02:00",
          "nplIndicator": "false",
          "paymentHistoryList": {
            "paymentHistory": [
              {
                "daysInArrears": "=",
                "month": "May 25"
              },
              {
                "daysInArrears": "=",
                "month": "Apr 25"
              },
              {
                "daysInArrears": "=",
                "month": "Mar 25"
              },
              {
                "daysInArrears": "=",
                "month": "Feb 25"
              },
              {
                "daysInArrears": "=",
                "month": "Jan 25"
              },
              {
                "daysInArrears": "=",
                "month": "Dec 24"
              },
              {
                "daysInArrears": "=",
                "month": "Nov 24"
              },
              {
                "daysInArrears": "=",
                "month": "Oct 24"
              },
              {
                "daysInArrears": "=",
                "month": "Sep 24"
              },
              {
                "daysInArrears": "=",
                "month": "Aug 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jul 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jun 24"
              },
              {
                "daysInArrears": "=",
                "month": "May 24"
              },
              {
                "daysInArrears": "=",
                "month": "Apr 24"
              },
              {
                "daysInArrears": "=",
                "month": "Mar 24"
              },
              {
                "daysInArrears": "=",
                "month": "Feb 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jan 24"
              },
              {
                "daysInArrears": "=",
                "month": "Dec 23"
              },
              {
                "daysInArrears": "=",
                "month": "Nov 23"
              },
              {
                "daysInArrears": "=",
                "month": "Oct 23"
              },
              {
                "daysInArrears": "=",
                "month": "Sep 23"
              },
              {
                "daysInArrears": "=",
                "month": "Aug 23"
              },
              {
                "daysInArrears": "=",
                "month": "Jul 23"
              },
              {
                "daysInArrears": "=",
                "month": "Jun 23"
              }
            ]
          },
          "principalAmount": "460000.0",
          "repaymentDuration": "72",
          "scheduledPaymentAmount": "7829.58",
          "tradeSector": "Bank Sector Bureau",
          "worstArrear": "0"
        },
        {
          "accountNo": "9060004664812",
          "accountStatus": "PARTIALLY PAID",
          "accountType": "LOAN ACCOUNT",
          "arrearAmount": "0.0",
          "arrearDays": "0",
          "balanceAmount": "0.0",
          "currency": "BOV",
          "currentNpl": "false",
          "disputed": "false",
          "isMyAccount": "false",
          "lastPaymentAmount": "0.0",
          "listingDate": "2022-03-23T00:00:00+02:00",
          "nplIndicator": "false",
          "paymentHistoryList": {
            "paymentHistory": [
              {
                "daysInArrears": "=",
                "month": "May 25"
              },
              {
                "daysInArrears": "=",
                "month": "Apr 25"
              },
              {
                "daysInArrears": "=",
                "month": "Mar 25"
              },
              {
                "daysInArrears": "=",
                "month": "Feb 25"
              },
              {
                "daysInArrears": "=",
                "month": "Jan 25"
              },
              {
                "daysInArrears": "=",
                "month": "Dec 24"
              },
              {
                "daysInArrears": "=",
                "month": "Nov 24"
              },
              {
                "daysInArrears": "=",
                "month": "Oct 24"
              },
              {
                "daysInArrears": "=",
                "month": "Sep 24"
              },
              {
                "daysInArrears": "=",
                "month": "Aug 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jul 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jun 24"
              },
              {
                "daysInArrears": "=",
                "month": "May 24"
              },
              {
                "daysInArrears": "=",
                "month": "Apr 24"
              },
              {
                "daysInArrears": "=",
                "month": "Mar 24"
              },
              {
                "daysInArrears": "=",
                "month": "Feb 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jan 24"
              },
              {
                "daysInArrears": "=",
                "month": "Dec 23"
              },
              {
                "daysInArrears": "=",
                "month": "Nov 23"
              },
              {
                "daysInArrears": "=",
                "month": "Oct 23"
              },
              {
                "daysInArrears": "=",
                "month": "Sep 23"
              },
              {
                "daysInArrears": "=",
                "month": "Aug 23"
              },
              {
                "daysInArrears": "=",
                "month": "Jul 23"
              },
              {
                "daysInArrears": "=",
                "month": "Jun 23"
              }
            ]
          },
          "principalAmount": "500000.0",
          "repaymentDuration": "72",
          "scheduledPaymentAmount": "8616.8",
          "tradeSector": "Bank Sector Bureau",
          "worstArrear": "0"
        },
        {
          "accountNo": "62305938708",
          "accountStatus": "PARTIALLY PAID",
          "accountType": "OTHER",
          "arrearAmount": "0.0",
          "arrearDays": "0",
          "balanceAmount": "111.58",
          "currency": "BOV",
          "currentNpl": "false",
          "disputed": "false",
          "isMyAccount": "false",
          "lastPaymentAmount": "0.0",
          "listingDate": "2017-02-20T00:00:00+02:00",
          "nplIndicator": "false",
          "paymentHistoryList": {
            "paymentHistory": [
              {
                "daysInArrears": "=",
                "month": "May 25"
              },
              {
                "daysInArrears": "=",
                "month": "Apr 25"
              },
              {
                "daysInArrears": "=",
                "month": "Mar 25"
              },
              {
                "daysInArrears": "=",
                "month": "Feb 25"
              },
              {
                "daysInArrears": "=",
                "month": "Jan 25"
              },
              {
                "daysInArrears": "=",
                "month": "Dec 24"
              },
              {
                "daysInArrears": "=",
                "month": "Nov 24"
              },
              {
                "daysInArrears": "=",
                "month": "Oct 24"
              },
              {
                "daysInArrears": "=",
                "month": "Sep 24"
              },
              {
                "daysInArrears": "=",
                "month": "Aug 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jul 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jun 24"
              },
              {
                "daysInArrears": "=",
                "month": "May 24"
              },
              {
                "daysInArrears": "=",
                "month": "Apr 24"
              },
              {
                "daysInArrears": "=",
                "month": "Mar 24"
              },
              {
                "daysInArrears": "=",
                "month": "Feb 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jan 24"
              },
              {
                "daysInArrears": "=",
                "month": "Dec 23"
              },
              {
                "daysInArrears": "=",
                "month": "Nov 23"
              },
              {
                "daysInArrears": "=",
                "month": "Oct 23"
              },
              {
                "daysInArrears": "=",
                "month": "Sep 23"
              },
              {
                "daysInArrears": "=",
                "month": "Aug 23"
              },
              {
                "daysInArrears": "=",
                "month": "Jul 23"
              },
              {
                "daysInArrears": "=",
                "month": "Jun 23"
              }
            ]
          },
          "principalAmount": "0.0",
          "repaymentDuration": "0",
          "repaymentTerm": "MONTHLY",
          "scheduledPaymentAmount": "0.0",
          "tradeSector": "Bank Sector Bureau",
          "worstArrear": "0"
        },
        {
          "accountNo": "4000001767804",
          "accountStatus": {},
          "accountType": "LOAN ACCOUNT",
          "arrearAmount": "0.0",
          "arrearDays": "0",
          "balanceAmount": "0.0",
          "currency": "BOV",
          "currentNpl": "false",
          "disputed": "false",
          "isMyAccount": "false",
          "lastPaymentAmount": "74102.29",
          "lastPaymentDate": "2015-04-24T00:00:00+02:00",
          "listingDate": "2020-11-30T00:00:00+02:00",
          "nplIndicator": "false",
          "paymentHistoryList": {
            "paymentHistory": [
              {
                "daysInArrears": "=",
                "month": "May 25"
              },
              {
                "daysInArrears": "=",
                "month": "Apr 25"
              },
              {
                "daysInArrears": "=",
                "month": "Mar 25"
              },
              {
                "daysInArrears": "=",
                "month": "Feb 25"
              },
              {
                "daysInArrears": "=",
                "month": "Jan 25"
              },
              {
                "daysInArrears": "=",
                "month": "Dec 24"
              },
              {
                "daysInArrears": "=",
                "month": "Nov 24"
              },
              {
                "daysInArrears": "=",
                "month": "Oct 24"
              },
              {
                "daysInArrears": "=",
                "month": "Sep 24"
              },
              {
                "daysInArrears": "=",
                "month": "Aug 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jul 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jun 24"
              },
              {
                "daysInArrears": "=",
                "month": "May 24"
              },
              {
                "daysInArrears": "=",
                "month": "Apr 24"
              },
              {
                "daysInArrears": "=",
                "month": "Mar 24"
              },
              {
                "daysInArrears": "=",
                "month": "Feb 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jan 24"
              },
              {
                "daysInArrears": "=",
                "month": "Dec 23"
              },
              {
                "daysInArrears": "=",
                "month": "Nov 23"
              },
              {
                "daysInArrears": "=",
                "month": "Oct 23"
              },
              {
                "daysInArrears": "=",
                "month": "Sep 23"
              },
              {
                "daysInArrears": "=",
                "month": "Aug 23"
              },
              {
                "daysInArrears": "=",
                "month": "Jul 23"
              },
              {
                "daysInArrears": "=",
                "month": "Jun 23"
              }
            ]
          },
          "principalAmount": "106000.0",
          "scheduledPaymentAmount": "0.0",
          "tradeSector": "Bank Sector Bureau",
          "worstArrear": "0"
        },
        {
          "accountNo": "4000003839683",
          "accountStatus": "PARTIALLY PAID",
          "accountType": "LOAN ACCOUNT",
          "arrearAmount": "0.0",
          "arrearDays": "0",
          "balanceAmount": "500000.0",
          "currency": "BOV",
          "currentNpl": "false",
          "disputed": "false",
          "isMyAccount": "false",
          "lastPaymentAmount": "0.0",
          "listingDate": "2022-08-18T00:00:00+02:00",
          "nplIndicator": "false",
          "paymentHistoryList": {
            "paymentHistory": [
              {
                "daysInArrears": "=",
                "month": "May 25"
              },
              {
                "daysInArrears": "=",
                "month": "Apr 25"
              },
              {
                "daysInArrears": "=",
                "month": "Mar 25"
              },
              {
                "daysInArrears": "=",
                "month": "Feb 25"
              },
              {
                "daysInArrears": "=",
                "month": "Jan 25"
              },
              {
                "daysInArrears": "=",
                "month": "Dec 24"
              },
              {
                "daysInArrears": "=",
                "month": "Nov 24"
              },
              {
                "daysInArrears": "=",
                "month": "Oct 24"
              },
              {
                "daysInArrears": "=",
                "month": "Sep 24"
              },
              {
                "daysInArrears": "=",
                "month": "Aug 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jul 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jun 24"
              },
              {
                "daysInArrears": "=",
                "month": "May 24"
              },
              {
                "daysInArrears": "=",
                "month": "Apr 24"
              },
              {
                "daysInArrears": "=",
                "month": "Mar 24"
              },
              {
                "daysInArrears": "=",
                "month": "Feb 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jan 24"
              },
              {
                "daysInArrears": "=",
                "month": "Dec 23"
              },
              {
                "daysInArrears": "=",
                "month": "Nov 23"
              },
              {
                "daysInArrears": "=",
                "month": "Oct 23"
              },
              {
                "daysInArrears": "=",
                "month": "Sep 23"
              },
              {
                "daysInArrears": "=",
                "month": "Aug 23"
              },
              {
                "daysInArrears": "=",
                "month": "Jul 23"
              },
              {
                "daysInArrears": "=",
                "month": "Jun 23"
              }
            ]
          },
          "principalAmount": "500000.0",
          "repaymentDuration": "84",
          "repaymentTerm": "MONTHLY",
          "scheduledPaymentAmount": "8325.94",
          "tradeSector": "Bank Sector Bureau",
          "worstArrear": "0"
        },
        {
          "accountNo": "4000003095862",
          "accountOpeningDate": "2019-05-09T00:00:00+02:00",
          "accountStatus": {},
          "accountType": "LOAN ACCOUNT",
          "arrearAmount": "0.0",
          "arrearDays": "0",
          "balanceAmount": "0.0",
          "currency": "BOV",
          "currentNpl": "false",
          "disputed": "false",
          "isMyAccount": "false",
          "lastPaymentAmount": "279644.09",
          "lastPaymentDate": "2020-08-19T00:00:00+02:00",
          "listingDate": "2019-08-28T00:00:00+02:00",
          "nplIndicator": "false",
          "paymentHistoryList": {
            "paymentHistory": [
              {
                "daysInArrears": "=",
                "month": "May 25"
              },
              {
                "daysInArrears": "=",
                "month": "Apr 25"
              },
              {
                "daysInArrears": "=",
                "month": "Mar 25"
              },
              {
                "daysInArrears": "=",
                "month": "Feb 25"
              },
              {
                "daysInArrears": "=",
                "month": "Jan 25"
              },
              {
                "daysInArrears": "=",
                "month": "Dec 24"
              },
              {
                "daysInArrears": "=",
                "month": "Nov 24"
              },
              {
                "daysInArrears": "=",
                "month": "Oct 24"
              },
              {
                "daysInArrears": "=",
                "month": "Sep 24"
              },
              {
                "daysInArrears": "=",
                "month": "Aug 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jul 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jun 24"
              },
              {
                "daysInArrears": "=",
                "month": "May 24"
              },
              {
                "daysInArrears": "=",
                "month": "Apr 24"
              },
              {
                "daysInArrears": "=",
                "month": "Mar 24"
              },
              {
                "daysInArrears": "=",
                "month": "Feb 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jan 24"
              },
              {
                "daysInArrears": "=",
                "month": "Dec 23"
              },
              {
                "daysInArrears": "=",
                "month": "Nov 23"
              },
              {
                "daysInArrears": "=",
                "month": "Oct 23"
              },
              {
                "daysInArrears": "=",
                "month": "Sep 23"
              },
              {
                "daysInArrears": "=",
                "month": "Aug 23"
              },
              {
                "daysInArrears": "=",
                "month": "Jul 23"
              },
              {
                "daysInArrears": "=",
                "month": "Jun 23"
              }
            ]
          },
          "principalAmount": "330000.0",
          "scheduledPaymentAmount": "0.0",
          "tradeSector": "Bank Sector Bureau",
          "worstArrear": "0"
        },
        {
          "accountNo": "4000002105546",
          "accountOpeningDate": "2015-04-22T00:00:00+02:00",
          "accountStatus": {},
          "accountType": "LOAN ACCOUNT",
          "arrearAmount": "0.0",
          "arrearDays": "0",
          "balanceAmount": "0.0",
          "currency": "BOV",
          "currentNpl": "false",
          "disputed": "false",
          "isMyAccount": "false",
          "lastPaymentAmount": "130295.89",
          "lastPaymentDate": "2017-04-22T00:00:00+02:00",
          "listingDate": "2016-01-21T00:00:00+02:00",
          "nplIndicator": "false",
          "paymentHistoryList": {
            "paymentHistory": [
              {
                "daysInArrears": "=",
                "month": "May 25"
              },
              {
                "daysInArrears": "=",
                "month": "Apr 25"
              },
              {
                "daysInArrears": "=",
                "month": "Mar 25"
              },
              {
                "daysInArrears": "=",
                "month": "Feb 25"
              },
              {
                "daysInArrears": "=",
                "month": "Jan 25"
              },
              {
                "daysInArrears": "=",
                "month": "Dec 24"
              },
              {
                "daysInArrears": "=",
                "month": "Nov 24"
              },
              {
                "daysInArrears": "=",
                "month": "Oct 24"
              },
              {
                "daysInArrears": "=",
                "month": "Sep 24"
              },
              {
                "daysInArrears": "=",
                "month": "Aug 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jul 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jun 24"
              },
              {
                "daysInArrears": "=",
                "month": "May 24"
              },
              {
                "daysInArrears": "=",
                "month": "Apr 24"
              },
              {
                "daysInArrears": "=",
                "month": "Mar 24"
              },
              {
                "daysInArrears": "=",
                "month": "Feb 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jan 24"
              },
              {
                "daysInArrears": "=",
                "month": "Dec 23"
              },
              {
                "daysInArrears": "=",
                "month": "Nov 23"
              },
              {
                "daysInArrears": "=",
                "month": "Oct 23"
              },
              {
                "daysInArrears": "=",
                "month": "Sep 23"
              },
              {
                "daysInArrears": "=",
                "month": "Aug 23"
              },
              {
                "daysInArrears": "=",
                "month": "Jul 23"
              },
              {
                "daysInArrears": "=",
                "month": "Jun 23"
              }
            ]
          },
          "principalAmount": "175000.0",
          "scheduledPaymentAmount": "0.0",
          "tradeSector": "Bank Sector Bureau",
          "worstArrear": "0"
        },
        {
          "accountNo": "4000002588296",
          "accountStatus": {},
          "accountType": "LOAN ACCOUNT",
          "arrearAmount": "0.0",
          "arrearDays": "0",
          "balanceAmount": "0.0",
          "currency": "BOV",
          "currentNpl": "false",
          "disputed": "false",
          "isMyAccount": "false",
          "lastPaymentAmount": "161768.91",
          "lastPaymentDate": "2019-05-14T00:00:00+02:00",
          "listingDate": "2017-05-16T00:00:00+02:00",
          "nplIndicator": "false",
          "paymentHistoryList": {
            "paymentHistory": [
              {
                "daysInArrears": "=",
                "month": "May 25"
              },
              {
                "daysInArrears": "=",
                "month": "Apr 25"
              },
              {
                "daysInArrears": "=",
                "month": "Mar 25"
              },
              {
                "daysInArrears": "=",
                "month": "Feb 25"
              },
              {
                "daysInArrears": "=",
                "month": "Jan 25"
              },
              {
                "daysInArrears": "=",
                "month": "Dec 24"
              },
              {
                "daysInArrears": "=",
                "month": "Nov 24"
              },
              {
                "daysInArrears": "=",
                "month": "Oct 24"
              },
              {
                "daysInArrears": "=",
                "month": "Sep 24"
              },
              {
                "daysInArrears": "=",
                "month": "Aug 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jul 24"
              },
              {
                "daysInArrears": "=",
                "month": "Jun 24"
              },
              {
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}