Consumer Variable Report
GET: https://api.creditchek.africa/v1/credit/ke/individual-variableReport
Request Parameters​
| Name | Position | Required | Description | 
|---|---|---|---|
| token | Headers | True | app public key | 
| firstName | query | True | first name | 
| lastName | query | True | last name | 
| nationalID | query | True | identity number | 
Example Request
---
curl --location --request GET 'https://api.creditchek.africa/v1/credit/ke/individual-variableReport?firstName=Surname 5392&lastName=Othername 5392&nationalID=5392' \
--header 'token: {{token}}'
---
Sample 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": {
      "CVVariables": {
        "allTradesGeneral": [
          {
            "description": "Number of All Trades",
            "featureName": "AT01S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "1"
          },
          {
            "description": "Number of Open Trades",
            "featureName": "AT02S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "5"
          },
          {
            "description": "Months since most recent trade opened",
            "featureName": "AT21S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "54"
          },
          {
            "description": "Months since oldest trade opened",
            "featureName": "AT20S",
            "featureType": "1",
            "featureValue": "-4.0",
            "serialNumber": "151"
          },
          {
            "description": "Number of trades opened in the past 6 months",
            "featureName": "AT06S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "8"
          },
          {
            "description": "Number of all trades opened in the past 24 months",
            "featureName": "AT09S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "9"
          },
          {
            "description": "Number of open trades verified in the past 12 months",
            "featureName": "AT12S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "12"
          },
          {
            "description": "Number of open currently satisfactory trades",
            "featureName": "AT03S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "6"
          },
          {
            "description": "Number of closed good trades",
            "featureName": "CGD01S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "141"
          },
          {
            "description": "Months since most recent delinquency",
            "featureName": "AT36S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "15"
          },
          {
            "description": "Months since most recent open 30+ delinquency",
            "featureName": "AT37A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "17"
          },
          {
            "description": "Months since most recent open 60+ delinquency",
            "featureName": "AT38A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "150"
          },
          {
            "description": "Months since most recent open 90+ delinquency",
            "featureName": "AT39A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "18"
          },
          {
            "description": "Total balance of open trades verified in the past 12 months",
            "featureName": "AT33A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "56"
          },
          {
            "description": "Utilization for open trades verified in the past 12 months",
            "featureName": "AT34A",
            "featureType": "1",
            "featureValue": "-4.0",
            "serialNumber": "148"
          },
          {
            "description": "Average balance of open trades verified in the past 12 months",
            "featureName": "AT35A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "57"
          },
          {
            "description": "Total balance of all trades verified in the past 12 months",
            "featureName": "AT101S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "51"
          },
          {
            "description": "Average number of months trades have been on file",
            "featureName": "S004S",
            "featureType": "1",
            "featureValue": "-4.0",
            "serialNumber": "160"
          },
          {
            "description": "Percentage of open trades > 75% of credit line verified in the past 12 months",
            "featureName": "AT31S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "127"
          }
        ],
        "businessLoans": [
          {
            "description": "Number of Business loan Trades",
            "featureName": "BL01S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "32"
          },
          {
            "description": "Number of open Business loan Trades",
            "featureName": "BL02S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "33"
          },
          {
            "description": "Number of open currently satisfactory  Business loan Trades",
            "featureName": "BL03S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "34"
          },
          {
            "description": "Number of Business loan trades opened in the past 6 months",
            "featureName": "BL06S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "35"
          },
          {
            "description": "Number of Business loan trades opened in the past 24 months",
            "featureName": "BL09S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "36"
          },
          {
            "description": "Number of open Business loan trades verified in the past 12 months",
            "featureName": "BL12S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "37"
          },
          {
            "description": "Months since most recent Business loan trade delinquency",
            "featureName": "BL36S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "41"
          },
          {
            "description": "Months since most recent open Business loan trade 30+ delinquency",
            "featureName": "BL37A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "42"
          },
          {
            "description": "Months since most recent open Business loan trade 60+ delinquency",
            "featureName": "BL38A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "45"
          },
          {
            "description": "Months since most recent open Business loan trade 90+ delinquency",
            "featureName": "BL39A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "47"
          },
          {
            "description": "Months since most recent Business loan trade opened",
            "featureName": "BL21S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "63"
          },
          {
            "description": "Months since oldest Business loan trade opened",
            "featureName": "BL20S",
            "featureType": "1",
            "featureValue": "-4.0",
            "serialNumber": "159"
          }
        ],
        "creditCards": [
          {
            "description": "Number of Credit Card trades",
            "featureName": "BC01S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "22"
          },
          {
            "description": "Number of open Credit Card trades",
            "featureName": "BC02S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "23"
          },
          {
            "description": "Months since most recent credit card trade opened",
            "featureName": "BC21S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "59"
          },
          {
            "description": "Months since oldest credit card trade opened",
            "featureName": "BC20S",
            "featureType": "1",
            "featureValue": "-4.0",
            "serialNumber": "153"
          },
          {
            "description": "Number of open currently satisfactory  Credit Card Trades",
            "featureName": "BC03S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "24"
          },
          {
            "description": "Number of Credit Card trades opened in the past 6 months",
            "featureName": "BC06S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "25"
          },
          {
            "description": "Number of Credit Card trades opened in the past 24 months",
            "featureName": "BC09S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "26"
          },
          {
            "description": "Number of open Credit Card trades verified in the past 12 months",
            "featureName": "BC12S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "27"
          },
          {
            "description": "Months since most recent Credit Card trade delinquency",
            "featureName": "BC36S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "28"
          },
          {
            "description": "Months since most recent open Credit Card trade 30+ delinquency",
            "featureName": "BC37A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "29"
          },
          {
            "description": "Months since most recent open Credit Card trade 60+ delinquency",
            "featureName": "BC38A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "30"
          },
          {
            "description": "Months since most recent open Credit Card trade 90+ delinquency",
            "featureName": "BC39A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "31"
          },
          {
            "description": "Worst rating on credit card trades",
            "featureName": "G301S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "122"
          },
          {
            "description": "Worst rating on Credit Card trades in the past 12 months",
            "featureName": "G300S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "121"
          }
        ],
        "delinquency": [
          {
            "description": "Number of trades opened since most recent delinquency (delinquency search limited to 24 months)",
            "featureName": "G235S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "119"
          },
          {
            "description": "Number of financial trades opened since most recent delinquency (delinquency search limited to 24 months)",
            "featureName": "G235SF",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "120"
          },
          {
            "description": "Number of trades verified in the past 12 months that are currently 90 days past due",
            "featureName": "G220A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "114"
          },
          {
            "description": "Number of trades verified in the past 12 months that are currently 60 days past due",
            "featureName": "G219A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "113"
          },
          {
            "description": "Number of trades verified in the past 12 months that are currently 30 days past due",
            "featureName": "G218A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "112"
          },
          {
            "description": "Number of trades 30 or more days past due ever",
            "featureName": "G041S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "133"
          },
          {
            "description": "Number of financial trades 30 or more days past due ever",
            "featureName": "G041SF",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "134"
          },
          {
            "description": "Number of trades 60 or more days past due ever",
            "featureName": "G042S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "135"
          },
          {
            "description": "Number of financial trades 60 or more days past due ever",
            "featureName": "G042SF",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "136"
          },
          {
            "description": "Number of trades 90 or more days past due ever",
            "featureName": "G043S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "137"
          },
          {
            "description": "Number of financial trades 90 or more days past due ever",
            "featureName": "G043SF",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "138"
          },
          {
            "description": "Percentage of trades ever delinquent",
            "featureName": "G051S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "4"
          },
          {
            "description": "Percentage of financial trades ever delinquent",
            "featureName": "G051SF",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "131"
          },
          {
            "description": "Number of charged-off trades",
            "featureName": "CO01S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "49"
          },
          {
            "description": "Months since most recent charged-off trade",
            "featureName": "CO04S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "116"
          },
          {
            "description": "Total balance of charged-off trades",
            "featureName": "CO05S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "64"
          },
          {
            "description": "Number of 30 days past due ratings ever in the past 12 months for all trades",
            "featureName": "G001S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "145"
          },
          {
            "description": "Number of 60 days past due ratings ever in the past 12 months for all trades",
            "featureName": "G002S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "146"
          },
          {
            "description": "Number of 90 or more days past due ratings ever in the past 12 months for all trades",
            "featureName": "G003S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "147"
          },
          {
            "description": "Number of 30 or more days past due ratings in the past 12 months for all trades",
            "featureName": "G001B",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "143"
          },
          {
            "description": "Number of 60 or more days past due ratings in the past 12 months for all trades",
            "featureName": "G002B",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "144"
          }
        ],
        "financialTrades": [
          {
            "description": "Number of financial trades",
            "featureName": "AT01SF",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "3"
          },
          {
            "description": "Number of open financial trades",
            "featureName": "AT02SF",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "2"
          },
          {
            "description": "Months since most recent financial trade opened",
            "featureName": "AT21SF",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "55"
          },
          {
            "description": "Months since oldest financial trade opened",
            "featureName": "AT20SF",
            "featureType": "1",
            "featureValue": "-4.0",
            "serialNumber": "152"
          },
          {
            "description": "Number of financial trades opened in the past 6 months",
            "featureName": "AT06SF",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "10"
          },
          {
            "description": "Number of financial trades opened in the past 24 months",
            "featureName": "AT09SF",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "11"
          },
          {
            "description": "Number of open financial trades verified in the past 12 months",
            "featureName": "AT12SF",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "13"
          },
          {
            "description": "Percentage of open financial trades > 75% of credit line verified in the past 12 months",
            "featureName": "AT31SF",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "128"
          },
          {
            "description": "Number of open currently satisfactory  financial Trades",
            "featureName": "AT03SF",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "7"
          },
          {
            "description": "Months since most recent financial trade delinquency",
            "featureName": "AT36SF",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "16"
          },
          {
            "description": "Months since most recent open financial account 30+ delinquency",
            "featureName": "AT40A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "19"
          },
          {
            "description": "Months since most recent open financial account 60+ delinquency",
            "featureName": "AT41A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "20"
          },
          {
            "description": "Months since most recent open financial account 90+ delinquency",
            "featureName": "AT42A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "21"
          }
        ],
        "installmentTrades": [
          {
            "description": "Number of Installment Trades",
            "featureName": "IN01S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "101"
          },
          {
            "description": "Number of Open Installment Trades",
            "featureName": "IN02S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "102"
          },
          {
            "description": "Months since most recent installment trade opened",
            "featureName": "IN21S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "108"
          },
          {
            "description": "Months since oldest installment trade opened",
            "featureName": "IN20S",
            "featureType": "1",
            "featureValue": "-4.0",
            "serialNumber": "158"
          },
          {
            "description": "Number of Installment trades opened in the past 6 months",
            "featureName": "IN06S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "104"
          },
          {
            "description": "Number of Installment trades opened in the past 24 months",
            "featureName": "IN09S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "105"
          },
          {
            "description": "Number of open Installment trades verified in the past 12 months",
            "featureName": "IN12S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "107"
          },
          {
            "description": "Number of open currently satisfactory Installment Trades",
            "featureName": "IN03S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "103"
          },
          {
            "description": "Percentage of Open installment trades > 75% of credit line verified in the past 12 months",
            "featureName": "IN31S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "129"
          },
          {
            "description": "Months since most recent Installment trade delinquency",
            "featureName": "IN36S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "109"
          },
          {
            "description": "Months since most recent open Installment trade 30+ delinquency",
            "featureName": "IN37A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "110"
          },
          {
            "description": "Months since most recent open Installment trade 60+ delinquency",
            "featureName": "IN38A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "140"
          },
          {
            "description": "Months since most recent open Installment  trade 90+ delinquency",
            "featureName": "IN39A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "111"
          },
          {
            "description": "Worst rating on installment trades",
            "featureName": "G305S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "126"
          },
          {
            "description": "Worst rating on Installment trades in the past 12 months",
            "featureName": "G304S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "125"
          }
        ],
        "mobileLoans": [
          {
            "description": "Number of Mobile loan Trades",
            "featureName": "MBL01S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "89"
          },
          {
            "description": "Number of Open  Mobile loan  Trades",
            "featureName": "MBL02S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "90"
          },
          {
            "description": "Months since most recent mobile loan trade opened",
            "featureName": "MBL21S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "96"
          },
          {
            "description": "Months since oldest mobile loan trade opened",
            "featureName": "MBL20S",
            "featureType": "1",
            "featureValue": "-4.0",
            "serialNumber": "157"
          },
          {
            "description": "Number of open currently satisfactory  Mobile loan Trades",
            "featureName": "MBL03S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "91"
          },
          {
            "description": "Number of Mobile loan trades opened in the past 6 months",
            "featureName": "MBL06S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "92"
          },
          {
            "description": "Number of Mobile loan trades opened in the past 24 months",
            "featureName": "MBL09S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "93"
          },
          {
            "description": "Number of open Mobile loan trades verified in the past 12 months",
            "featureName": "MBL12S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "94"
          },
          {
            "description": "Months since most recent Mobile loan trade delinquency",
            "featureName": "MBL36S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "97"
          },
          {
            "description": "Months since most recent open Mobile loan trade 30+ delinquency",
            "featureName": "MBL37A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "98"
          },
          {
            "description": "Months since most recent open Mobile loan trade 60+ delinquency",
            "featureName": "MBL38A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "99"
          },
          {
            "description": "Months since most recent open Mobile loan trade 90+ delinquency",
            "featureName": "MBL39A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "100"
          }
        ],
        "overdrafts": [
          {
            "description": "Number of Overdraft Trades",
            "featureName": "OD01S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "83"
          },
          {
            "description": "Number of Open Overdraft Trades",
            "featureName": "OD02S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "84"
          },
          {
            "description": "Months since most recent overdraft trade opened",
            "featureName": "OD21S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "81"
          },
          {
            "description": "Months since oldest overdraft trade opened",
            "featureName": "OD20S",
            "featureType": "1",
            "featureValue": "-4.0",
            "serialNumber": "156"
          },
          {
            "description": "Number of Overdraft trades opened in the past 6 months",
            "featureName": "OD06S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "86"
          },
          {
            "description": "Number of Overdraft trades opened in the past 24 months",
            "featureName": "OD09S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "87"
          },
          {
            "description": "Number of open Overdraft trades verified in the past 12 months",
            "featureName": "OD12S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "88"
          },
          {
            "description": "Number of open currently satisfactory Overdraft Trades",
            "featureName": "OD03S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "85"
          },
          {
            "description": "Months since most recent Overdraft trade delinquency",
            "featureName": "OD36S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "80"
          },
          {
            "description": "Months since most recent open Overdraft trade 30+ delinquency",
            "featureName": "OD37A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "79"
          },
          {
            "description": "Months since most recent open Overdraft trade 60+ delinquency",
            "featureName": "OD38A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "78"
          },
          {
            "description": "Months since most recent open Overdraft trade 90+ delinquency",
            "featureName": "OD39A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "77"
          }
        ],
        "personalLoans": [
          {
            "description": "Number of Personal loan Trades",
            "featureName": "PL01S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "76"
          },
          {
            "description": "Number of open Personal loan Trades",
            "featureName": "PL02S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "75"
          },
          {
            "description": "Months since most recent personal loan trade opened",
            "featureName": "PL21S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "69"
          },
          {
            "description": "Months since oldest personal loan trade opened",
            "featureName": "PL20S",
            "featureType": "1",
            "featureValue": "-4.0",
            "serialNumber": "155"
          },
          {
            "description": "Number of Personal loan trades opened in the past 6 months",
            "featureName": "PL06S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "73"
          },
          {
            "description": "Number of Personal loan trades opened in the past 24 months",
            "featureName": "PL09S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "71"
          },
          {
            "description": "Number of open Personal loan trades verified in the past 12 months",
            "featureName": "PL12S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "72"
          },
          {
            "description": "Number of open currently satisfactory Personal loan Trades",
            "featureName": "PL03S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "74"
          },
          {
            "description": "Months since most recent Personal loan trade delinquency",
            "featureName": "PL36S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "65"
          },
          {
            "description": "Months since most recent open Personal loan trade 30+ delinquency",
            "featureName": "PL37A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "66"
          },
          {
            "description": "Months since most recent open Personal loan trade 60+ delinquency",
            "featureName": "PL38A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "67"
          },
          {
            "description": "Months since most recent open Personal loan trade 90+ delinquency",
            "featureName": "PL39A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "68"
          }
        ],
        "revolvingTrades": [
          {
            "description": "Number of revolving trades",
            "featureName": "RE01S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "50"
          },
          {
            "description": "Number of open revolving trades",
            "featureName": "RE02S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "48"
          },
          {
            "description": "Months since most recent revolving trade opened",
            "featureName": "RE21S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "62"
          },
          {
            "description": "Months since oldest revolving trade opened",
            "featureName": "RE20S",
            "featureType": "1",
            "featureValue": "-4.0",
            "serialNumber": "154"
          },
          {
            "description": "Number of revolving trades opened in the past 6 months",
            "featureName": "RE06S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "43"
          },
          {
            "description": "Number of revolving trades opened in the past 24 months",
            "featureName": "RE09S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "44"
          },
          {
            "description": "Number of open revolving trades verified in the past 12 months",
            "featureName": "RE12S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "61"
          },
          {
            "description": "Number of open currently satisfactory  revolving Trades",
            "featureName": "RE03S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "46"
          },
          {
            "description": "Percentage of Open Revolving trades > 75% of credit line verified in the past 12 months",
            "featureName": "RE31S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "130"
          },
          {
            "description": "Months since most recent revolving trade delinquency",
            "featureName": "RE36S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "39"
          },
          {
            "description": "Months since most recent open revolving trade 30+ delinquency",
            "featureName": "RE37A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "40"
          },
          {
            "description": "Months since most recent open revolving trade 60+ delinquency",
            "featureName": "RE38A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "38"
          },
          {
            "description": "Months since most recent open revolving trade 90+ delinquency",
            "featureName": "RE39A",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "142"
          },
          {
            "description": "Worst rating on revolving trades",
            "featureName": "G303S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "124"
          },
          {
            "description": "Worst rating on revolving trades in the past 12 months",
            "featureName": "G302S",
            "featureType": "1",
            "featureValue": "-4",
            "serialNumber": "123"
          }
        ]
      },
      "personalProfile": {
        "alienID": "5392",
        "crn": "5392",
        "dateOfBirth": "04-04-1970 00:00:00",
        "fullName": "surname 5392 Othernames 5392",
        "gender": "M",
        "maritalStatus": "UNKNOWN",
        "nationalID": "5392",
        "otherNames": "Othernames 5392",
        "salutation": "MISTER",
        "surname": "surname 5392"
      },
      "responseCode": "200"
    }
  },
  "message": "Request successful",
  "error": false
}