Credit Score API Instantly Retrieve Credit Scores for Smarter Lending Decisions
The Credit Score API enables businesses to securely retrieve an individual’s credit score and credit profile after OTP-based customer authentication and consent. By aggregating data from leading credit bureaus, the API provides comprehensive credit insights to support underwriting, risk assessment, customer profiling, and faster lending decisions.
End-to-End Credit Assessment Flow
Enter Customer Details
Generate OTP
Customer Verifies OTP
Capture Consent
Fetch Credit Bureau Data
Generate Credit Score
Analyze Credit Profile
Structured JSON Response & Email Delivery
Key Capabilities
Real-Time Credit Score Retrieval
Retrieve an individual’s latest credit score through a secure, consent-based workflow.
Comprehensive Credit Profile
Access detailed credit information, repayment history, credit utilization, loan accounts, and enquiry history.
OTP-Based Customer Authentication
Ensure secure access through mobile OTP verification and explicit customer consent.
Underwriting Intelligence
Strengthen lending decisions with comprehensive credit analytics and risk indicators.
Risk Assessment
Evaluate borrower creditworthiness, repayment behavior, and financial obligations.
Customer Profiling
Build detailed customer financial profiles to support lending, insurance, and financial services.
Secure & Compliant Processing
Ensure customer data privacy using encrypted communication, secure authentication, and consent-based access.
Easy API Integration
Integrate seamlessly using REST APIs, structured JSON responses, secure authentication, and comprehensive developer documentation.
Use Cases
Loan Underwriting & Credit Assessment
Retrieve real-time credit scores and comprehensive credit reports to make faster and more informed lending decisions.
Customer Profiling & Risk Management
Build complete customer credit profiles for financial products, insurance, and credit evaluation.
Fraud Prevention & Compliance
Strengthen identity verification and regulatory compliance through consent-based credit data retrieval.
Developer Experience
Secure REST APIs for seamless credit score retrieval.
OTP-Based Authentication – Retrieve credit information only after customer verification and consent.
Real-Time Credit Score – Access the latest credit score and credit profile instantly.
Structured JSON Response – Receive standardized credit information for easy integration.
RESTful API Integration – Secure and developer-friendly APIs.
Sandbox Environment – Test integrations before production deployment.
Developer Documentation – Comprehensive API references and implementation guides.
Enterprise Security – Encrypted communication and secure authentication.
Dedicated Technical Support – Expert assistance throughout your integration journey.
Frequently Asked Questions
What is the Credit Score API?
The Credit Score API retrieves a customer's credit score and detailed credit profile after OTP verification and customer consent, helping businesses perform underwriting and risk assessment.
What input is required?
*Before OTP Verification* : First Name, Middle Name (Optional), Surname, Date of Birth and Mobile Number *After OTP Verification* : OTP, Gender, Email Address, Address, Pincode, City, State, PAN, Passport (Optional), Voter ID (Optional) and Customer Consent
What information does the API return?
The API may return : Credit Score, Credit Report Summary, Active & Closed Loan Accounts, Credit Card Details, Repayment History, Credit Utilization Ratio, Credit Enquiry History, Loan Defaults & Delinquencies, Risk Indicators, Credit Profile, Email Delivery Status and Structured JSON Response
Does this API require customer consent?
Yes. The API requires OTP verification and explicit customer consent before retrieving any credit information.
Can this API be integrated into our platform?
Yes. The API integrates seamlessly with banking platforms, NBFCs, fintech applications, lending systems, insurance platforms, CRMs, ERPs, and enterprise applications using secure REST APIs.
Is customer credit information secure?
Yes. All requests are processed using encrypted communication, secure authentication, and consent-based access to ensure customer data privacy and regulatory compliance.