Report individual defaulter

POST /creditregistry/api/v1/report/individual

Report a delinquent facility where the account owner is an individual.

Required body fields

Field	Notes
accountNumber	Your unique loan/account identifier.
bvn	11-digit BVN.
firstName, lastName	Borrower name.
middleName	Optional; empty string if none.
dateOfBirth	ISO date, e.g. 1990-05-15.
gender	Male, Female, or Unknown.
phone, email	Valid contact details.
addressLine1, city, state	Address.
country	Optional; defaults to Nigeria if omitted in mapping.
principal, outstandingBalance, minimumInstallment	Amounts.
daysInArrears	Drives delinquency band (see catalog).
accountStatusDate, dateOpened, balanceDate, maturityDate	ISO dates.
currency	Typically NGN.
accountType	From catalog (e.g. PersonalLoan).
purpose, term, repaymentFrequency, interestRate, interestType	Loan terms.
branchName, branchAddress	Branch metadata.
customerNumber	Optional; defaults to bvn.
reference	Optional client reference for support.

Optional: guarantors

Array of persons with the same required fields as the borrower (BVN, name, DOB, gender, phone, email, address).

Request (example)

JSON

{
    "accountNumber": "9072859752",
    "bvn": "22200021533",
    "customerNumber": "",
    "firstName": "Test",
    "lastName": "Borrower",
    "middleName": "",
    "dateOfBirth": "1990-05-15",
    "gender": "Male",
    "phone": "08012345678",
    "email": "[email protected]",
    "addressLine1": "12 Admiralty Way",
    "addressLine2": "Lekki Phase 1",
    "city": "Lagos",
    "state": "Lagos",
    "country": "Nigeria",
    "principal": 500000,
    "outstandingBalance": 425000,
    "daysInArrears": 45,
    "accountStatusDate": "2026-09-01",
    "dateOpened": "2025-03-01",
    "balanceDate": "2026-09-01",
    "minimumInstallment": 45000,
    "currency": "NGN",
    "accountType": "PersonalLoan",
    "purpose": "Working capital",
    "term": "12 months",
    "repaymentFrequency": "Monthly",
    "interestRate": 24,
    "interestType": "Fixed",
    "maturityDate": "2026-03-01",
    "branchName": "Head Office",
    "branchAddress": "Victoria Island, Lagos",
    "reference": "REF-TEST-IND-001",
    "guarantors": [
      {
        "bvn": "22200022408",
        "customerNumber": "",
        "firstName": "Test",
        "lastName": "Guarantor",
        "middleName": "",
        "dateOfBirth": "1988-11-20",
        "gender": "Female",
        "phone": "08098765432",
        "email": "[email protected]",
        "addressLine1": "5 Broad Street",
        "addressLine2": "",
        "city": "Lagos",
        "state": "Lagos",
        "country": "Nigeria"
      }
    ]
  }

Success response (example)

JSON

{
  "status": true,
  "message": "Submission accepted",
  "transactionRef": "N202609181113478792",
  "data": {
    "submissionId": "6baef1cd60ff4aa999bc1b1c91276df",
    "uploadId": "1776221",
    "accountNumber": "LOAN-12345",
    "processingStatus": "Queued"
  }
}

Store submissionId for status polling.