fetch_credit_report.json•6 kB
{
"creditReports": [
{
"creditReportData": {
"userMessage": {
"userMessageText": "Normal Response"
},
"creditProfileHeader": {
"reportDate": "20240521",
"reportTime": "104515"
},
"currentApplication": {
"currentApplicationDetails": {
"enquiryReason": "5",
"amountFinanced": "0",
"durationOfAgreement": "0",
"currentApplicantDetails": {
"dateOfBirthApplicant": "19930515"
}
}
},
"creditAccount": {
"creditAccountSummary": {
"account": {
"creditAccountTotal": "3",
"creditAccountActive": "3",
"creditAccountDefault": "1",
"creditAccountClosed": "0",
"cadSuitFiledCurrentBalance": "125000"
},
"totalOutstandingBalance": {
"outstandingBalanceSecured": "110000",
"outstandingBalanceSecuredPercentage": "36",
"outstandingBalanceUnSecured": "196000",
"outstandingBalanceUnSecuredPercentage": "64",
"outstandingBalanceAll": "306000"
}
},
"creditAccountDetails": [
{
"subscriberName": "Axis Bank",
"portfolioType": "R",
"accountType": "10",
"openDate": "20220120",
"creditLimitAmount": "75000",
"highestCreditOrOriginalLoanAmount": "75000",
"accountStatus": "83",
"paymentRating": "4",
"paymentHistoryProfile": "000000000000000000000000000000000021",
"currentBalance": "71000",
"amountPastDue": "8500",
"dateReported": "20240430",
"occupationCode": "S",
"rateOfInterest": "24.5",
"repaymentTenure": "0",
"dateOfAddition": "20220120",
"currencyCode": "INR",
"accountHolderTypeCode": "1"
},
{
"subscriberName": "Bajaj Finserv",
"portfolioType": "I",
"accountType": "05",
"openDate": "20230310",
"highestCreditOrOriginalLoanAmount": "150000",
"accountStatus": "93",
"paymentRating": "7",
"paymentHistoryProfile": "000000000000000000000000000000000332",
"currentBalance": "125000",
"amountPastDue": "12000",
"dateReported": "20240428",
"occupationCode": "S",
"rateOfInterest": "18.0",
"repaymentTenure": "36",
"dateOfAddition": "20230310",
"currencyCode": "INR",
"accountHolderTypeCode": "1"
},
{
"subscriberName": "HDFC Bank",
"portfolioType": "I",
"accountType": "01",
"openDate": "20210815",
"highestCreditOrOriginalLoanAmount": "500000",
"accountStatus": "11",
"paymentRating": "0",
"paymentHistoryProfile": "000000000000000000000000000000001000",
"currentBalance": "110000",
"amountPastDue": "0",
"dateReported": "20240505",
"occupationCode": "S",
"rateOfInterest": "9.5",
"repaymentTenure": "60",
"dateOfAddition": "20210815",
"currencyCode": "INR",
"accountHolderTypeCode": "1"
}
]
},
"matchResult": {
"exactMatch": "Y"
},
"totalCapsSummary": {
"totalCapsLast7Days": "1",
"totalCapsLast30Days": "2",
"totalCapsLast90Days": "4",
"totalCapsLast180Days": "4"
},
"nonCreditCaps": {
"nonCreditCapsSummary": {
"nonCreditCapsLast7Days": "1",
"nonCreditCapsLast30Days": "2",
"nonCreditCapsLast90Days": "4",
"nonCreditCapsLast180Days": "4"
},
"capsApplicationDetailsArray": [
{
"SubscriberName": "Paytm Postpaid",
"FinancePurpose": "35",
"capsApplicantDetails": {},
"capsOtherDetails": {},
"capsApplicantAddressDetails": {},
"capsApplicantAdditionalAddressDetails": {}
},
{
"SubscriberName": "IDFC First Bank",
"FinancePurpose": "10",
"capsApplicantDetails": {},
"capsOtherDetails": {},
"capsApplicantAddressDetails": {},
"capsApplicantAdditionalAddressDetails": {}
}
]
},
"score": {
"bureauScore": "621",
"bureauScoreConfidenceLevel": "M"
},
"segment": {},
"caps": {
"capsSummary": {
"capsLast7Days": "1",
"capsLast30Days": "2",
"capsLast90Days": "4",
"capsLast180Days": "4"
},
"capsApplicationDetailsArray": [
{
"SubscriberName": "Paytm Postpaid",
"DateOfRequest": "20240518",
"EnquiryReason": "35",
"FinancePurpose": "35"
},
{
"SubscriberName": "IDFC First Bank",
"DateOfRequest": "20240425",
"EnquiryReason": "10",
"FinancePurpose": "10"
},
{
"SubscriberName": "OneCard",
"DateOfRequest": "20240310",
"EnquiryReason": "10",
"FinancePurpose": "10"
},
{
"SubscriberName": "Navi Finance",
"DateOfRequest": "20240302",
"EnquiryReason": "05",
"FinancePurpose": "05"
}
]
}
},
"vendor": "EXPERIAN"
}
]
}