TriCredit Summary

Allows merchant to generate consolidated CRC, First Central, Credit registry and Fico score using bvn

The TriadCredit Summary API allows lenders and FIs to generate consolidated credit data from multiple credit bureaus (CRC, First Central, and Credit Registry) using a borrower's BVN (Bank Verification Number). This API provides a summary to help businesses make informed decisions based on the borrower's credit history.

Key Features:

• Credit Data Consolidation: Retrieves credit information from CRC, First Central, and Credit Registry for a specific borrower using their BVN.
• Comprehensive Credit Report: Provides a summary of the borrower's credit performance, including credit score and detailed credit history from different bureaus

📘

GET (LIVE)

{{URL}}/dikript/verification/api/v1/getcreditbureau

📘

GET (TEST)

{{URL}}/dikript/test/api/v1/getcreditbureau

Parameter

Key	Description
bvn	BVN Number

Header (LIVE)

Key	Description
x-api-key	Your Secret Key

Header (TEST)

Key	Description
x-api-key	Your Public Key

Responses

jsc

{
	"status": true,
	"message": "Successful",
	"code": "200",
	"apiVersion": "v1",
	"transactionRef": "N202401110821403230",
	"data": {
		"crcdata": {
			"bvn": "2******92",
			"customerId": "1*********4",
			"businessId": "64**********63e",
			"name": "TEST  TEST",
			"phone": "",
			"gender": "MALE",
			"dateOfBirth": "22-MAR-1003",
			"address": "",
			"email": "",
			"score": {
				"totalNoOfDelinquentFacilities": "1",
				"lastReportedDate": "11-DEC-2123",
				"totalNoOfLoans": "2",
				"totalNoOfInstitutions": "1",
				"totalNoOfActiveLoans": "2",
				"totalBorrowed": "257,500",
				"totalOutstanding": "444,000",
				"totalOverdue": "444000",
				"maxNoOfDays": "559",
				"totalNoOfClosedLoans": 0,
				"crcReportOrderNumber": "W-0102107097/2024"
			},
			"searchedDate": "2024-01-11T07:07:17.388Z"
		},
		"creditregistrydata": {
			"bvn": "22******92",
			"customerId": "11*******04",
			"businessId": "64da**********63e",
			"name": "TEST TEST",
			"phone": "",
			"gender": "MALE",
			"dateOfBirth": "22-MAR-1003",
			"address": "3B ADDRESS ESTATE",
			"email": "",
			"score": {
				"totalNoOfLoans": 2,
				"totalNoOfInstitutions": 1,
				"totalNoOfActiveLoans": 0,
				"totalNoOfClosedLoans": 1,
				"totalNoOfPerformingLoans": 1,
				"totalNoOfDelinquentFacilities": 1,
				"highestLoanAmount": 250000,
				"totalMonthlyInstallment": 0,
				"totalBorrowed": 257500,
				"totalOutstanding": 444000,
				"totalOverdue": 0,
				"maxNoOfDays": 0,
				"creditors": false,
				"creditEnquiries": false,
				"creditEnquiriesSummary": false,
				"loanPerformance": false,
				"loanHistory": false
			},
			"searchedDate": "2024-01-11T07:21:16.715Z"
		},
		"ficodata": {
			"bvn": "22******5",
			"customerId": "5****1",
			"businessId": "64*********63e",
			"name": "TEST TEST",
			"phone": "080*******3",
			"gender": "Female",
			"dateOfBirth": "20/09/1080",
			"address": "3B ADDRESS ESTATE",
			"email": "",
			"score": {
				"totalNoOfDelinquentFacilities": 1,
				"hasLoans": "YES",
				"ficoScore": {
					"score": 636,
					"rating": "AVERAGE",
					"reasons": "There is serious delinquency on the accounts, adverse record or collection filed on the credit report. Lack of recent revolving/charge account information on the credit report. Lack of recent account information on the credit report. Lack of recent revolving/charge account information on the credit report."
				},
				"lastReportedDate": "30-NOV-2029",
				"crcReportOrderNumber": "W-0*****/2024"
			},
			"searchedDate": "2024-01-10T18:02:04.183Z"
		},
		"firstcentaldata": {
			"bvn": "22299562935",
			"customerId": "585891",
			"businessId": "64daa025b57fff35eb06663e",
			"name": "TEST TEST ",
			"phone": "080*****485",
			"gender": "F****e",
			"dateOfBirth": "17/19/1380",
			"address": "3B TEST CLOSE TEST ESTATE",
			"email": "",
			"searchedDate": "2024-02-09T07:56:32.989Z",
			"score": {
				"totalNoOfDelinquentFacilities": 0,
				"totalNoOfLoans": 9,
				"totalNoOfActiveLoans": 8,
				"totalNoOfClosedLoans": 1,
				"maxNoOfDays": null,
				"totalNoOfInstitutions": 3,
				"totalOverdue": 5932018,
				"totalBorrowed": 26305139.39,
				"highestLoanAmount": 6401000,
				"totalOutstanding": 16970160,
				"totalMonthlyInstallment": 493496,
				"totalNoOfOverdueAccounts": 2,
				"totalNoOfPerformingLoans": 10,
				"firstCentralEnquiryResultID": null,
				"firstCentralEnquiryEngineID": null,
				"loanPerformance": false,
				"creditEnquiries": false,
				"loanHistory": false,
				"employmentHistory": false
			}
		}
	},
	"error": null
}

JSON

{
  	"status": false,
    "message": "Unsuccessful",
    "code": "400",
    "apiVersion": "v1",
    "transactionRef": "N202401101345487388",
    "data": "",
    "error": {
        "code": 400,
        "message": null
    }
}