Credit Registry

Allows merchant to verify credit registry information using bvn

In the event that such historical data is available with the associated credit bureaus and another blacklist repository, we utilize the Bank Verification Number (BVN) to provide simple and trustworthy results.

📘

GET (LIVE)

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

📘

GET (TEST)

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

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": "N202401110807174518",
    "data": {
      "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"
    },
    "error": null
}

JSON

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