Experian Credit Report

{ "phone": "979XXXXX90", "email": "", //optional "pan": "HARXSXXXXL", //optional "firstName": "User-First-name", "lastName": "User-Last-name", "reference": "Unique-reference-number-to-avoid-duplicates" }

{ "status": true, "statusCode": 200, "data": { "CreditProfileHeader": { "ReportDate": 20250711, "ReportTime": 103000, "Version": "V2.4", "ReportNumber": 1234567890123 }, "Current_Application": { "Current_Application_Details": { "Enquiry_Reason": "01", "Finance_Purpose": "01", "Amount_Financed": "50000", "Duration_Of_Agreement": "24", "Current_Applicant_Details": { "Last_Name": "DOE", "First_Name": "JOHN", "Middle_Name1": "A", "Middle_Name2": "", "Middle_Name3": "", "Gender_Code": "1", "IncomeTaxPan": "ABCDE1234F", "Date_Of_Birth_Applicant": "19900520", "Telephone_Number_Applicant_1st": "9876543210", "Telephone_Extension": "", "Telephone_Type": "01", "MobilePhoneNumber": "9876543210", "EMailId": "[email protected]", "PAN_Issue_Date": "20100101", "PAN_Expiration_Date": "", "Passport_Number": "P1234567", "Passport_Issue_Date": "20150315", "Passport_Expiration_Date": "20250314", "Voter_s_Identity_Card": "VOTER123456", "Voter_ID_Issue_Date": "20080701", "Voter_ID_Expiration_Date": "", "Driver_License_Number": "DL987654321", "Driver_License_Issue_Date": "20120910", "Driver_License_Expiration_Date": "20270909", "Ration_Card_Number": "RCARD7890", "Ration_Card_Issue_Date": "20050101", "Ration_Card_Expiration_Date": "", "Universal_ID_Number": "UID000000000000", "Universal_ID_Issue_Date": "20101111", "Universal_ID_Expiration_Date": "" }, "Current_Other_Details": { "Income": "750000", "Marital_Status": "M", "Employment_Status": "01", "Time_with_Employer": "60", "Number_of_Major_Credit_Card_Held": "2" }, "Current_Applicant_Address_Details": { "FlatNoPlotNoHouseNo": "123", "BldgNoSocietyName": "Maple Apartments", "RoadNoNameAreaLocality": "Oak Street", "City": "Mumbai", "Landmark": "Near Central Park", "State": "27", "PINCode": "400001", "Country_Code": "IN" }, "Current_Applicant_Additional_AddressDetails": "" } }, "CAIS_Account": { "CAIS_Summary": { "Credit_Account": { "CreditAccountTotal": "3", "CreditAccountActive": "2", "CreditAccountDefault": "0", "CreditAccountClosed": "1", "CADSuitFiledCurrentBalance": "0" }, "Total_Outstanding_Balance": { "Outstanding_Balance_Secured": "150000", "Outstanding_Balance_Secured_Percentage": "60", "Outstanding_Balance_UnSecured": "25000", "Outstanding_Balance_UnSecured_Percentage": "10", "Outstanding_Balance_All": "175000" } }, "CAIS_Account_DETAILS": [ { "Identification_Number": "BANKXXXXXXX", "Subscriber_Name": "Dummy Bank A", "Account_Number": "XXXXXXXXXXXXX1111", "Portfolio_Type": "I", "Account_Type": "03", "Open_Date": "20220301", "Credit_Limit_Amount": "100000", "Highest_Credit_or_Original_Loan_Amount": "100000", "Terms_Duration": "36", "Terms_Frequency": "M", "Scheduled_Monthly_Payment_Amount": "3500", "Account_Status": "11", "Payment_Rating": "0", "Payment_History_Profile": "DDDDSSSSSSSSSSSSSSSSSSSSSSSSSSSSSS", "Special_Comment": "", "Current_Balance": "50000", "Amount_Past_Due": "0", "Original_Charge_Off_Amount": "", "Date_Reported": "20250630", "Date_of_First_Delinquency": "", "Date_Closed": "", "Date_of_Last_Payment": "20250625", "SuitFiledWillfulDefaultWrittenOffStatus": "", "SuitFiled_WillfulDefault": "", "Written_off_Settled_Status": "", "Value_of_Credits_Last_Month": "3500", "Occupation_Code": "01", "Settlement_Amount": "", "Value_of_Collateral": "", "Type_of_Collateral": "", "Written_Off_Amt_Total": "", "Written_Off_Amt_Principal": "", "Rate_of_Interest": "", "Repayment_Tenure": "0", "Promotional_Rate_Flag": "", "Income": "", "Income_Indicator": "", "Income_Frequency_Indicator": "", "DefaultStatusDate": "", "LitigationStatusDate": "", "WriteOffStatusDate": "", "DateOfAddition": "20220315", "CurrencyCode": "INR", "Subscriber_comments": "", "Consumer_comments": "", "AccountHoldertypeCode": "1", "CAIS_Account_History": [ { "Year": "2025", "Month": "06", "Days_Past_Due": "0", "Asset_Classification": "S" }, { "Year": "2025", "Month": "05", "Days_Past_Due": "0", "Asset_Classification": "S" }, { "Year": "2025", "Month": "04", "Days_Past_Due": "0", "Asset_Classification": "S" }, { "Year": "2025", "Month": "03", "Days_Past_Due": "0", "Asset_Classification": "S" }, { "Year": "2025", "Month": "02", "Days_Past_Due": "0", "Asset_Classification": "S" }, { "Year": "2025", "Month": "01", "Days_Past_Due": "0", "Asset_Classification": "S" }, { "Year": "2024", "Month": "12", "Days_Past_Due": "0", "Asset_Classification": "S" }, { "Year": "2024", "Month": "11", "Days_Past_Due": "0", "Asset_Classification": "S" }, { "Year": "2024", "Month": "10", "Days_Past_Due": "0", "Asset_Classification": "S" }, { "Year": "2024", "Month": "09", "Days_Past_Due": "0", "Asset_Classification": "S" }, { "Year": "2024", "Month": "08", "Days_Past_Due": "0", "Asset_Classification": "S" }, { "Year": "2024", "Month": "07", "Days_Past_Due": "0", "Asset_Classification": "S" } ], "CAIS_Holder_Details": [ { "Surname_Non_Normalized": "DOE", "First_Name_Non_Normalized": "JOHN", "Middle_Name_1_Non_Normalized": "A", "Middle_Name_2_Non_Normalized": "", "Middle_Name_3_Non_Normalized": "", "Alias": "", "Gender_Code": "1", "Income_TAX_PAN": "ABCDE1234F", "Passport_Number": "P1234567", "Voter_ID_Number": "", "Date_of_birth": "19900520" } ], "CAIS_Holder_Address_Details": [ { "First_Line_Of_Address_non_normalized": "123 Oak Street", "Second_Line_Of_Address_non_normalized": "Maple Apartments", "Third_Line_Of_Address_non_normalized": "Apt 4B", "City_non_normalized": "Mumbai", "Fifth_Line_Of_Address_non_normalized": "Near Central Park", "State_non_normalized": "MH", "ZIP_Postal_Code_non_normalized": "400001", "CountryCode_non_normalized": "IN", "Address_indicator_non_normalized": "01", "Residence_code_non_normalized": "O" } ], "CAIS_Holder_Phone_Details": [ { "Telephone_Number": "02212345678", "Telephone_Type": "01", "Telephone_Extension": "", "Mobile_Telephone_Number": "9876543210", "FaxNumber": "", "EMailId": "[email protected]" } ], "CAIS_Holder_ID_Details": [ { "Income_TAX_PAN": "ABCDE1234F", "PAN_Issue_Date": "20100101", "PAN_Expiration_Date": "", "Passport_Number": "P1234567", "Passport_Issue_Date": "20150315", "Passport_Expiration_Date": "20250314", "Voter_ID_Number": "VOTER123456", "Voter_ID_Issue_Date": "20080701", "Voter_ID_Expiration_Date": "", "Driver_License_Number": "DL987654321", "Driver_License_Issue_Date": "20120910", "Driver_License_Expiration_Date": "20270909", "Ration_Card_Number": "RCARD7890", "Ration_Card_Issue_Date": "20050101", "Ration_Card_Expiration_Date": "", "Universal_ID_Number": "UID000000000000", "Universal_ID_Issue_Date": "20101111", "Universal_ID_Expiration_Date": "", "EMailId": "[email protected]" } ], "Account_Review_Data": [ { "Year": "2025", "Month": "6", "Account_Status": "11", "Actual_Payment_Amount": "3500", "Current_Balance": "50000", "Credit_Limit_Amount": "100000", "Amount_Past_Due": "0", "Cash_Limit": "", "EMI_Amount": "3500" }, { "Year": "2025", "Month": "5", "Account_Status": "11", "Actual_Payment_Amount": "3500", "Current_Balance": "53500", "Credit_Limit_Amount": "100000", "Amount_Past_Due": "0", "Cash_Limit": "", "EMI_Amount": "3500" } ] }, { "Identification_Number": "CREDXxxxxxx", "Subscriber_Name": "Dummy Credit Union", "Account_Number": "XXXXXXXXXXXXXXXXXXX2222", "Portfolio_Type": "R", "Account_Type": "10", "Open_Date": "20240115", "Credit_Limit_Amount": "25000", "Highest_Credit_or_Original_Loan_Amount": "25000", "Terms_Duration": "0", "Terms_Frequency": "", "Scheduled_Monthly_Payment_Amount": "", "Account_Status": "11", "Payment_Rating": "0", "Payment_History_Profile": "SSSSSSSSSSSS", "Special_Comment": "", "Current_Balance": "15000", "Amount_Past_Due": "0", "Original_Charge_Off_Amount": "", "Date_Reported": "20250630", "Date_of_First_Delinquency": "", "Date_Closed": "", "Date_of_Last_Payment": "20250620", "SuitFiledWillfulDefaultWrittenOffStatus": "", "SuitFiled_WillfulDefault": "", "Written_off_Settled_Status": "", "Value_of_Credits_Last_Month": "1000", "Occupation_Code": "", "Settlement_Amount": "", "Value_of_Collateral": "", "Type_of_Collateral": "", "Written_Off_Amt_Total": "", "Written_Off_Amt_Principal": "", "Rate_of_Interest": "", "Repayment_Tenure": "0", "Promotional_Rate_Flag": "", "Income": "", "Income_Indicator": "", "Income_Frequency_Indicator": "", "DefaultStatusDate": "", "LitigationStatusDate": "", "WriteOffStatusDate": "", "DateOfAddition": "20240131", "CurrencyCode": "INR", "Subscriber_comments": "", "Consumer_comments": "", "AccountHoldertypeCode": "1", "CAIS_Account_History": [ { "Year": "2025", "Month": "06", "Days_Past_Due": "0", "Asset_Classification": "S" }, { "Year": "2025", "Month": "05", "Days_Past_Due": "0", "Asset_Classification": "S" }, { "Year": "2025", "Month": "04", "Days_Past_Due": "0", "Asset_Classification": "S" }, { "Year": "2025", "Month": "03", "Days_Past_Due": "0", "Asset_Classification": "S" }, { "Year": "2025", "Month": "02", "Days_Past_Due": "0", "Asset_Classification": "S" }, { "Year": "2025", "Month": "01", "Days_Past_Due": "0", "Asset_Classification": "S" }, { "Year": "2024", "Month": "12", "Days_Past_Due": "0", "Asset_Classification": "S" }, { "Year": "2024", "Month": "11", "Days_Past_Due": "0", "Asset_Classification": "S" }, { "Year": "2024", "Month": "10", "Days_Past_Due": "0", "Asset_Classification": "S" }, { "Year": "2024", "Month": "09", "Days_Past_Due": "0", "Asset_Classification": "S" }, { "Year": "2024", "Month": "08", "Days_Past_Due": "0", "Asset_Classification": "S" }, { "Year": "2024", "Month": "07", "Days_Past_Due": "0", "Asset_Classification": "S" } ], "CAIS_Holder_Details": [ { "Surname_Non_Normalized": "DOE", "First_Name_Non_Normalized": "JOHN", "Middle_Name_1_Non_Normalized": "A", "Middle_Name_2_Non_Normalized": "", "Middle_Name_3_Non_Normalized": "", "Alias": "", "Gender_Code": "1", "Income_TAX_PAN": "ABCDE1234F", "Passport_Number": "P1234567", "Voter_ID_Number": "", "Date_of_birth": "19900520" } ], "CAIS_Holder_Address_Details": [ { "First_Line_Of_Address_non_normalized": "123 Oak Street", "Second_Line_Of_Address_non_normalized": "Maple Apartments", "Third_Line_Of_Address_non_normalized": "Apt 4B", "City_non_normalized": "Mumbai", "Fifth_Line_Of_Address_non_normalized": "Near Central Park", "State_non_normalized": "MH", "ZIP_Postal_Code_non_normalized": "400001", "CountryCode_non_normalized": "IN", "Address_indicator_non_normalized": "01", "Residence_code_non_normalized": "O" } ], "CAIS_Holder_Phone_Details": [ { "Telephone_Number": "02212345678", "Telephone_Type": "01", "Telephone_Extension": "", "Mobile_Telephone_Number": "9876543210", "FaxNumber": "", "EMailId": "[email protected]" } ], "CAIS_Holder_ID_Details": [ { "Income_TAX_PAN": "ABCDE1234F", "PAN_Issue_Date": "20100101", "PAN_Expiration_Date": "", "Passport_Number": "P1234567", "Passport_Issue_Date": "20150315", "Passport_Expiration_Date": "20250314", "Voter_ID_Number": "VOTER123456", "Voter_ID_Issue_Date": "20080701", "Voter_ID_Expiration_Date": "", "Driver_License_Number": "DL987654321", "Driver_License_Issue_Date": "20120910", "Driver_License_Expiration_Date": "20270909", "Ration_Card_Number": "RCARD7890", "Ration_Card_Issue_Date": "20050101", "Ration_Card_Expiration_Date": "", "Universal_ID_Number": "UID000000000000", "Universal_ID_Issue_Date": "20101111", "Universal_ID_Expiration_Date": "", "EMailId": "[email protected]" } ], "Account_Review_Data": [ { "Year": "2025", "Month": "6", "Account_Status": "11", "Actual_Payment_Amount": "1000", "Current_Balance": "15000", "Credit_Limit_Amount": "25000", "Amount_Past_Due": "0", "Cash_Limit": "10000", "EMI_Amount": "" }, { "Year": "2025", "Month": "5", "Account_Status": "11", "Actual_Payment_Amount": "1000", "Current_Balance": "16000", "Credit_Limit_Amount": "25000", "Amount_Past_Due": "0", "Cash_Limit": "10000", "EMI_Amount": "" } ] }, { "Identification_Number": "FINANxxxxx", "Subscriber_Name": "Dummy Finance Co", "Account_Number": "XXXXXXXXXXXXX3333", "Portfolio_Type": "I", "Account_Type": "07", "Open_Date": "20200101", "Credit_Limit_Amount": "", "Highest_Credit_or_Original_Loan_Amount": "500000", "Terms_Duration": "60", "Terms_Frequency": "M", "Scheduled_Monthly_Payment_Amount": "10000", "Account_Status": "15", "Payment_Rating": "S", "Payment_History_Profile": "SSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSS", "Special_Comment": "Account Closed", "Current_Balance": "0", "Amount_Past_Due": "0", "Original_Charge_Off_Amount": "", "Date_Reported": "20231231", "Date_of_First_Delinquency": "", "Date_Closed": "20231230", "Date_of_Last_Payment": "20231225", "SuitFiledWillfulDefaultWrittenOffStatus": "", "SuitFiled_WillfulDefault": "", "Written_off_Settled_Status": "S", "Value_of_Credits_Last_Month": "", "Occupation_Code": "", "Settlement_Amount": "0", "Value_of_Collateral": "500000", "Type_of_Collateral": "Property", "Written_Off_Amt_Total": "", "Written_Off_Amt_Principal": "", "Rate_of_Interest": "", "Repayment_Tenure": "0", "Promotional_Rate_Flag": "", "Income": "", "Income_Indicator": "", "Income_Frequency_Indicator": "", "DefaultStatusDate": "", "LitigationStatusDate": "", "WriteOffStatusDate": "", "DateOfAddition": "20200115", "CurrencyCode": "INR", "Subscriber_comments": "", "Consumer_comments": "", "AccountHoldertypeCode": "1", "CAIS_Account_History": [ { "Year": "2023", "Month": "12", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2023", "Month": "11", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2023", "Month": "10", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2023", "Month": "09", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2023", "Month": "08", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2023", "Month": "07", "Days_Past_Due": "", "Asset_Classification": "S" } ], "CAIS_Holder_Details": [ { "Surname_Non_Normalized": "DOE", "First_Name_Non_Normalized": "JOHN", "Middle_Name_1_Non_Normalized": "A", "Middle_Name_2_Non_Normalized": "", "Middle_Name_3_Non_Normalized": "", "Alias": "", "Gender_Code": "1", "Income_TAX_PAN": "ABCDE1234F", "Passport_Number": "P1234567", "Voter_ID_Number": "", "Date_of_birth": "19900520" } ], "CAIS_Holder_Address_Details": [ { "First_Line_Of_Address_non_normalized": "123 Oak Street", "Second_Line_Of_Address_non_normalized": "Maple Apartments", "Third_Line_Of_Address_non_normalized": "Apt 4B", "City_non_normalized": "Mumbai", "Fifth_Line_Of_Address_non_normalized": "Near Central Park", "State_non_normalized": "MH", "ZIP_Postal_Code_non_normalized": "400001", "CountryCode_non_normalized": "IN", "Address_indicator_non_normalized": "01", "Residence_code_non_normalized": "O" } ], "CAIS_Holder_Phone_Details": [ { "Telephone_Number": "02212345678", "Telephone_Type": "01", "Telephone_Extension": "", "Mobile_Telephone_Number": "9876543210", "FaxNumber": "", "EMailId": "[email protected]" } ], "CAIS_Holder_ID_Details": [ { "Income_TAX_PAN": "ABCDE1234F", "PAN_Issue_Date": "20100101", "PAN_Expiration_Date": "", "Passport_Number": "P1234567", "Passport_Issue_Date": "20150315", "Passport_Expiration_Date": "20250314", "Voter_ID_Number": "VOTER123456", "Voter_ID_Issue_Date": "20080701", "Voter_ID_Expiration_Date": "", "Driver_License_Number": "DL987654321", "Driver_License_Issue_Date": "20120910", "Driver_License_Expiration_Date": "20270909", "Ration_Card_Number": "RCARD7890", "Ration_Card_Issue_Date": "20050101", "Ration_Card_Expiration_Date": "", "Universal_ID_Number": "UID000000000000", "Universal_ID_Issue_Date": "20101111", "Universal_ID_Expiration_Date": "", "EMailId": "[email protected]" } ], "Account_Review_Data": [ { "Year": "2023", "Month": "12", "Account_Status": "15", "Actual_Payment_Amount": "10000", "Current_Balance": "0", "Credit_Limit_Amount": "500000", "Amount_Past_Due": "0", "Cash_Limit": "", "EMI_Amount": "10000" }, { "Year": "2023", "Month": "11", "Account_Status": "21", "Actual_Payment_Amount": "10000", "Current_Balance": "10000", "Credit_Limit_Amount": "500000", "Amount_Past_Due": "0", "Cash_Limit": "", "EMI_Amount": "10000" } ] } ] }, "Match_result": { "Exact_match": "Y" }, "TotalCAPS_Summary": { "TotalCAPSLast7Days": "1", "TotalCAPSLast30Days": "2", "TotalCAPSLast90Days": "3", "TotalCAPSLast180Days": "4" }, "CAPS": { "CAPS_Summary": { "CAPSLast7Days": "0", "CAPSLast30Days": "0", "CAPSLast90Days": "1", "CAPSLast180Days": "2" } }, "NonCreditCAPS": { "NonCreditCAPS_Summary": { "NonCreditCAPSLast7Days": "1", "NonCreditCAPSLast30Days": "2", "NonCreditCAPSLast90Days": "2", "NonCreditCAPSLast180Days": "2" }, "CAPS_Application_Details": [ { "Subscriber_code": "TELCxxxxxxx", "Subscriber_Name": "Dummy Telecom", "Date_of_Request": "20250601", "ReportTime": "100000", "ReportNumber": "1752000000001", "Enquiry_Reason": "02", "Finance_Purpose": "05", "Amount_Financed": "0", "Duration_Of_Agreement": "0" }, { "Subscriber_code": "UTILxxxxxxx", "Subscriber_Name": "Dummy Utility", "Date_of_Request": "20250510", "ReportTime": "143000", "ReportNumber": "1751000000002", "Enquiry_Reason": "02", "Finance_Purpose": "05", "Amount_Financed": "0", "Duration_Of_Agreement": "0" }, { "Subscriber_code": "INSURxxxxxx", "Subscriber_Name": "Dummy Insurance", "Date_of_Request": "20250420", "ReportTime": "090000", "ReportNumber": "1750000000003", "Enquiry_Reason": "02", "Finance_Purpose": "05", "Amount_Financed": "0", "Duration_Of_Agreement": "0" }, { "Subscriber_code": "RENTLxxxxxx", "Subscriber_Name": "Dummy Rental Co", "Date_of_Request": "20250315", "ReportTime": "111500", "ReportNumber": "1749000000004", "Enquiry_Reason": "02", "Finance_Purpose": "05", "Amount_Financed": "0", "Duration_Of_Agreement": "0" } ] }, "SCORE": { "FCIREXScore": 750, "FCIREXScoreConfidLevel": "High" }, "version": 2 }, "message": "Success found" }

{ "status": true, "statusCode": 200, "data": { "Enquiry_Reason": { "1": "Agriculture Loan", "2": "Auto Loan", "3": "Business Loan", "4": "Commercial Vehicle Loans", "5": "Construction Equipment loan", "6": "Consumer Loan", "7": "Credit Card", "8": "Education Loan", "9": "Leasing", "10": "Loan against collateral", "11": "Microfinance", "12": "Non-funded Credit Facility", "13": "Personal Loan", "14": "Property Loan", "15": "Telecom", "16": "Two/Three Wheeler Loan", "17": "Working Capital Loan ", "18": "Consumer Loan", "19": "Credit Review", "99": "Others" }, "Finance_Purpose": { "1": "Agricultural Machinery", "2": "Animal Husbandry", "3": "Aquaculture", "4": "Biogas Plant", "5": "Crop Loan", "6": "Horticulture", "7": "Irrigation System", "8": "New Car", "9": "Overdraft against Car", "10": "Used Car", "11": "General", "12": "Small & Medium Business", "13": "Professionals", "14": "Trade", "15": "Bus", "16": "Tempo", "17": "Tipper", "18": "Truck", "20": "Forklift", "21": "Wheel Loaders", "22": "Consumer Search", "23": "Credit Card", "24": "Fleet Card", "25": "For Working Executives", "26": "Study Abroad", "27": "Study in India", "28": "Leasing", "29": "Bank Deposits", "30": "Gold", "31": "Govt. 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