Fico Score

Allows merchant to generate Fico Score 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/getficoscore

📘

GET (TEST)

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

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******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"
  },
    "error": null
}

JSON

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