Experian Credit Report

{ "phone": "979XXXXX90", "email": "", //optional "pan": "HARXSXXXXL", //optional "firstName": "Kavi", "lastName": "Prakash", "reference": "Unique-reference-number-to-avoid-duplicates" }

{ "status": true, "statusCode": 200, "data": { "CreditProfileHeader": { "ReportDate": 20251128, "ReportTime": 122401, "Version": "V2.4", "ReportNumber": 1761234567890 }, "Current_Application": { "Current_Application_Details": { "Enquiry_Reason": "99", "Finance_Purpose": "99", "Amount_Financed": "0", "Duration_Of_Agreement": "0", "Current_Applicant_Details": { "Last_Name": "KAVI", "First_Name": "KAVI", "Middle_Name1": "N", "Middle_Name2": "", "Middle_Name3": "", "Gender_Code": "1", "IncomeTaxPan": "HARXSXXXXL", "Date_Of_Birth_Applicant": "20000607", "Telephone_Number_Applicant_1st": "", "Telephone_Extension": "", "Telephone_Type": "", "MobilePhoneNumber": "", "EMailId": "", "PAN_Issue_Date": "", "PAN_Expiration_Date": "", "Passport_Number": "", "Passport_Issue_Date": "", "Passport_Expiration_Date": "", "Voter_s_Identity_Card": "", "Voter_ID_Issue_Date": "", "Voter_ID_Expiration_Date": "", "Driver_License_Number": "", "Driver_License_Issue_Date": "", "Driver_License_Expiration_Date": "", "Ration_Card_Number": "", "Ration_Card_Issue_Date": "", "Ration_Card_Expiration_Date": "", "Universal_ID_Number": "", "Universal_ID_Issue_Date": "", "Universal_ID_Expiration_Date": "" }, "Current_Other_Details": { "Income": "0", "Marital_Status": "", "Employment_Status": "", "Time_with_Employer": "", "Number_of_Major_Credit_Card_Held": "" }, "Current_Applicant_Address_Details": { "FlatNoPlotNoHouseNo": "", "BldgNoSocietyName": "", "RoadNoNameAreaLocality": "", "City": "", "Landmark": "", "State": "", "PINCode": "", "Country_Code": "" }, "Current_Applicant_Additional_AddressDetails": "" } }, "CAIS_Account": { "CAIS_Summary": { "Credit_Account": { "CreditAccountTotal": "1", "CreditAccountActive": "1", "CreditAccountDefault": "0", "CreditAccountClosed": "0", "CADSuitFiledCurrentBalance": "0" }, "Total_Outstanding_Balance": { "Outstanding_Balance_Secured": "263889", "Outstanding_Balance_Secured_Percentage": "100", "Outstanding_Balance_UnSecured": "0", "Outstanding_Balance_UnSecured_Percentage": "0", "Outstanding_Balance_All": "263889" } }, "CAIS_Account_DETAILS": [ { "Identification_Number": "PUBXXXXXXXX", "Subscriber_Name": "XXXXXXXXXX", "Account_Number": "XXXXXXXXXXXXX8735", "Portfolio_Type": "I", "Account_Type": "8", "Open_Date": "20191126", "Credit_Limit_Amount": "", "Highest_Credit_or_Original_Loan_Amount": "372000", "Terms_Duration": "240", "Terms_Frequency": "M", "Scheduled_Monthly_Payment_Amount": "", "Account_Status": "21", "Payment_Rating": "S", "Payment_History_Profile": "SSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSS", "Special_Comment": "", "Current_Balance": "263889", "Amount_Past_Due": "", "Original_Charge_Off_Amount": "", "Date_Reported": "20251115", "Date_of_First_Delinquency": "", "Date_Closed": "", "Date_of_Last_Payment": "", "SuitFiledWillfulDefaultWrittenOffStatus": "", "SuitFiled_WillfulDefault": "", "Written_off_Settled_Status": "", "Value_of_Credits_Last_Month": "", "Occupation_Code": "", "Settlement_Amount": "0", "Value_of_Collateral": "", "Type_of_Collateral": "", "Written_Off_Amt_Total": "0", "Written_Off_Amt_Principal": "0", "Rate_of_Interest": "10.200", "Repayment_Tenure": "240", "Promotional_Rate_Flag": "", "Income": "", "Income_Indicator": "", "Income_Frequency_Indicator": "", "DefaultStatusDate": "", "LitigationStatusDate": "", "WriteOffStatusDate": "", "DateOfAddition": "20221130", "CurrencyCode": "INR", "Subscriber_comments": "", "Consumer_comments": "", "AccountHoldertypeCode": "1", "CAIS_Account_History": [ { "Year": "2025", "Month": "11", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2025", "Month": "10", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2025", "Month": "09", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2025", "Month": "08", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2025", "Month": "07", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2025", "Month": "06", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2025", "Month": "05", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2025", "Month": "04", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2025", "Month": "03", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2025", "Month": "02", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2025", "Month": "01", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2024", "Month": "12", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2024", "Month": "11", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2024", "Month": "10", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2024", "Month": "09", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2024", "Month": "08", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2024", "Month": "07", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2024", "Month": "06", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2024", "Month": "05", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2024", "Month": "04", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2024", "Month": "03", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2024", "Month": "02", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2024", "Month": "01", "Days_Past_Due": "", "Asset_Classification": "S" }, { "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" }, { "Year": "2023", "Month": "06", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2023", "Month": "05", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2023", "Month": "04", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2023", "Month": "03", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2023", "Month": "02", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2023", "Month": "01", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2022", "Month": "12", "Days_Past_Due": "", "Asset_Classification": "S" }, { "Year": "2022", "Month": "11", "Days_Past_Due": "", "Asset_Classification": "S" } ], "CAIS_Holder_Details": [ { "Surname_Non_Normalized": "KAVI", "First_Name_Non_Normalized": "PRAKASH", "Middle_Name_1_Non_Normalized": "N", "Middle_Name_2_Non_Normalized": "", "Middle_Name_3_Non_Normalized": "", "Alias": "", "Gender_Code": "1", "Income_TAX_PAN": "HARXSXXXXL", "Passport_Number": "", "Voter_ID_Number": "", "Date_of_birth": "20000607" } ], "CAIS_Holder_Address_Details": [ { "First_Line_Of_Address_non_normalized": "S/O: NITHYANANDHAM, 12/91, ABCD Village", "Second_Line_Of_Address_non_normalized": "NULL", "Third_Line_Of_Address_non_normalized": "CDEFGH", "City_non_normalized": "CHENNAI", "Fifth_Line_Of_Address_non_normalized": "", "State_non_normalized": "33", "ZIP_Postal_Code_non_normalized": "654742", "CountryCode_non_normalized": "IB", "Address_indicator_non_normalized": "04", "Residence_code_non_normalized": "" }, { "First_Line_Of_Address_non_normalized": "S/O: NITHYANANDHAM, 12/91, ABCD Village", "Second_Line_Of_Address_non_normalized": "", "Third_Line_Of_Address_non_normalized": "CDEFGH", "City_non_normalized": "CHENNAI", "Fifth_Line_Of_Address_non_normalized": "", "State_non_normalized": "33", "ZIP_Postal_Code_non_normalized": "654742", "CountryCode_non_normalized": "IB", "Address_indicator_non_normalized": "04", "Residence_code_non_normalized": "" } ], "CAIS_Holder_Phone_Details": [ { "Telephone_Number": "", "Telephone_Type": "01", "Telephone_Extension": "", "Mobile_Telephone_Number": "979XXXXX90", "FaxNumber": "", "EMailId": "" } ], "CAIS_Holder_ID_Details": [ { "Income_TAX_PAN": "HARXSXXXXL", "PAN_Issue_Date": "", "PAN_Expiration_Date": "", "Passport_Number": "", "Passport_Issue_Date": "", "Passport_Expiration_Date": "", "Voter_ID_Number": "", "Voter_ID_Issue_Date": "", "Voter_ID_Expiration_Date": "", "Driver_License_Number": "", "Driver_License_Issue_Date": "", "Driver_License_Expiration_Date": "", "Ration_Card_Number": "", "Ration_Card_Issue_Date": "", "Ration_Card_Expiration_Date": "", "Universal_ID_Number": "", "Universal_ID_Issue_Date": "", "Universal_ID_Expiration_Date": "", "EMailId": "" }, { "Income_TAX_PAN": "HARXSXXXXL", "PAN_Issue_Date": "", "PAN_Expiration_Date": "", "Passport_Number": "", "Passport_Issue_Date": "", "Passport_Expiration_Date": "", "Voter_ID_Number": "", "Voter_ID_Issue_Date": "", "Voter_ID_Expiration_Date": "", "Driver_License_Number": "", "Driver_License_Issue_Date": "", "Driver_License_Expiration_Date": "", "Ration_Card_Number": "", "Ration_Card_Issue_Date": "", "Ration_Card_Expiration_Date": "", "Universal_ID_Number": "", "Universal_ID_Issue_Date": "", "Universal_ID_Expiration_Date": "", "EMailId": "" } ], "Account_Review_Data": [ { "Year": "2025", "Month": "11", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "263889", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2025", "Month": "10", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "268889", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2025", "Month": "9", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "271574", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2025", "Month": "8", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "274311", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2025", "Month": "7", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "276949", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2025", "Month": "6", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "279565", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2025", "Month": "5", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "282235", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2025", "Month": "4", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "284806", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2025", "Month": "3", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "287433", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2025", "Month": "2", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "289959", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2025", "Month": "1", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "292702", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2024", "Month": "12", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "295183", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2024", "Month": "11", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "297642", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2024", "Month": "10", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "300162", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2024", "Month": "9", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "302578", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2024", "Month": "8", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "305057", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2024", "Month": "7", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "307431", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2024", "Month": "6", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "309785", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2024", "Month": "5", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "312204", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2024", "Month": "4", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "314517", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2024", "Month": "3", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "316897", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2024", "Month": "2", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "319170", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2024", "Month": "1", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "321599", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2023", "Month": "12", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "323831", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2023", "Month": "11", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "326044", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2023", "Month": "10", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "328328", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2023", "Month": "9", "Account_Status": "21", "Actual_Payment_Amount": "98000", "Current_Balance": "330503", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2023", "Month": "8", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "431946", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2023", "Month": "7", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "433231", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2023", "Month": "6", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "434505", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2023", "Month": "5", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "435887", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2023", "Month": "4", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "437138", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2023", "Month": "3", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "438498", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2023", "Month": "2", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "439726", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2023", "Month": "1", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "441306", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" }, { "Year": "2022", "Month": "12", "Account_Status": "21", "Actual_Payment_Amount": "", "Current_Balance": "442510", "Credit_Limit_Amount": "372000", "Amount_Past_Due": "", "Cash_Limit": "", "EMI_Amount": "4554" } ] } ] }, "Match_result": { "Exact_match": "Y" }, "TotalCAPS_Summary": { "TotalCAPSLast7Days": "1", "TotalCAPSLast30Days": "1", "TotalCAPSLast90Days": "1", "TotalCAPSLast180Days": "1" }, "CAPS": { "CAPS_Summary": { "CAPSLast7Days": "0", "CAPSLast30Days": "0", "CAPSLast90Days": "0", "CAPSLast180Days": "0" }, "CAPS_Application_Details": { "Subscriber_code": "NBFXXXXXXXX", "Subscriber_Name": "XXXXXXXXXX", "Date_of_Request": "20221221", "ReportTime": "165941", "ReportNumber": "1761234567890", "Enquiry_Reason": "6", "Finance_Purpose": "22", "Amount_Financed": "60000", "Duration_Of_Agreement": "12" } }, "NonCreditCAPS": { "NonCreditCAPS_Summary": { "NonCreditCAPSLast7Days": "1", "NonCreditCAPSLast30Days": "1", "NonCreditCAPSLast90Days": "1", "NonCreditCAPSLast180Days": "1" }, "CAPS_Application_Details": [] }, "SCORE": { "FCIREXScore": 708, "FCIREXScoreConfidLevel": "" }, "version": 2 }, "message": "Sucess 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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