fetch_credit_report.json•5.14 kB
{
"creditReports": [
{
"creditReportData": {
"userMessage": {
"userMessageText": "Normal Response"
},
"creditProfileHeader": {
"reportDate": "20240521",
"reportTime": "121545"
},
"currentApplication": {
"currentApplicationDetails": {
"enquiryReason": "01",
"amountFinanced": "550000",
"durationOfAgreement": "60",
"currentApplicantDetails": {
"dateOfBirthApplicant": "19870320"
}
}
},
"creditAccount": {
"creditAccountSummary": {
"account": {
"creditAccountTotal": "3",
"creditAccountActive": "3",
"creditAccountDefault": "0",
"creditAccountClosed": "0",
"cadSuitFiledCurrentBalance": "0"
},
"totalOutstandingBalance": {
"outstandingBalanceSecured": "542000",
"outstandingBalanceSecuredPercentage": "95",
"outstandingBalanceUnSecured": "30000",
"outstandingBalanceUnSecuredPercentage": "5",
"outstandingBalanceAll": "572000"
}
},
"creditAccountDetails": [
{
"subscriberName": "HDFC Bank",
"portfolioType": "I",
"accountType": "01",
"openDate": "20240415",
"highestCreditOrOriginalLoanAmount": "550000",
"accountStatus": "11",
"paymentRating": "0",
"paymentHistoryProfile": "000000000000000000000000000000000000",
"currentBalance": "542000",
"amountPastDue": "0",
"dateReported": "20240510",
"occupationCode": "S",
"rateOfInterest": "9.10",
"repaymentTenure": "60",
"dateOfAddition": "20240415",
"currencyCode": "INR",
"accountHolderTypeCode": "1"
},
{
"subscriberName": "SBI Card",
"portfolioType": "R",
"accountType": "10",
"openDate": "20160210",
"creditLimitAmount": "120000",
"highestCreditOrOriginalLoanAmount": "120000",
"accountStatus": "11",
"paymentRating": "0",
"paymentHistoryProfile": "000000000000000000000000000000000000",
"currentBalance": "18000",
"amountPastDue": "0",
"dateReported": "20240503",
"occupationCode": "S",
"rateOfInterest": "20.0",
"repaymentTenure": "0",
"dateOfAddition": "20160210",
"currencyCode": "INR",
"accountHolderTypeCode": "1"
},
{
"subscriberName": "ICICI Bank",
"portfolioType": "R",
"accountType": "10",
"openDate": "20210525",
"creditLimitAmount": "80000",
"highestCreditOrOriginalLoanAmount": "80000",
"accountStatus": "11",
"paymentRating": "0",
"paymentHistoryProfile": "000000000000000000000000000000000000",
"currentBalance": "12000",
"amountPastDue": "0",
"dateReported": "20240428",
"occupationCode": "S",
"rateOfInterest": "21.5",
"repaymentTenure": "0",
"dateOfAddition": "20210525",
"currencyCode": "INR",
"accountHolderTypeCode": "1"
}
]
},
"matchResult": {
"exactMatch": "Y"
},
"totalCapsSummary": {
"totalCapsLast7Days": "0",
"totalCapsLast30Days": "1",
"totalCapsLast90Days": "1",
"totalCapsLast180Days": "1"
},
"nonCreditCaps": {
"nonCreditCapsSummary": {
"nonCreditCapsLast7Days": "0",
"nonCreditCapsLast30Days": "1",
"nonCreditCapsLast90Days": "1",
"nonCreditCapsLast180Days": "1"
},
"capsApplicationDetailsArray": [
{
"SubscriberName": "HDFC Bank",
"FinancePurpose": "01",
"capsApplicantDetails": {},
"capsOtherDetails": {},
"capsApplicantAddressDetails": {},
"capsApplicantAdditionalAddressDetails": {}
}
]
},
"score": {
"bureauScore": "772",
"bureauScoreConfidenceLevel": "H"
},
"segment": {},
"caps": {
"capsSummary": {
"capsLast7Days": "0",
"capsLast30Days": "1",
"capsLast90Days": "1",
"capsLast180Days": "1"
},
"capsApplicationDetailsArray": [
{
"SubscriberName": "HDFC Bank",
"DateOfRequest": "20240412",
"EnquiryReason": "01",
"FinancePurpose": "01"
}
]
}
},
"vendor": "EXPERIAN"
}
]
}