CreditFile

The Credit file check verifies individuals and their creditworthiness, and it is designed to comply with all applicable regulations in a specific region.

To use the Credit file check, users simply need to provide some basic personal information, such as Full name, date of Birth, and address. The system will then check the individual's credit file and provide a response that includes credit check status, score, and info about databases.

Integration options

There are several integration options available:

• As a background check: No integration is needed for this option. We enable the screening during user registration. You just need to take action on the received results.
• As a standalone API service: This allows you to verify the creditworthiness and identity of the users at any point in the flow and separately from signup.
• As a batch API: We offer the option to screen the full database at once or set up ongoing monitoring.

The results from CreditFile is part of the callback data and can be found in the object creditCheck.

The result is the overall result of the lookup. For a successful lookup, result will be approved.

The callback data will also contain one of 4 different codes (with the corresponding descriptions):

Match Codes:

Callback example:

"creditCheck":{  
  "attempts":1,  
  "code":"N",  
  "description":"Not found",  
  "result":"notRecognised"  
  "jwtSignData":"eyJhbGciOwqezUxMiIsInR5cCI6IkpXVCIsImtpZ....",  
},

For information on how to handle an API, please see this Section