Credit Score

The Credit Score API provides a score and comprehensive summary of an individual’s credit history, linked to their Bank Verification Number (BVN). This API is designed to give financial institutions, lenders, and credit agencies a quick and accurate overview of a user’s creditworthiness, including outstanding loans, repayment history, and overall credit behavior.

Use with the BVN Number

Request

[GET]

{{baseUrl}}/api/v1/fico_score

Header

Header	Type	Description
AppId	string	Create an app to get your app ID on dashboard here
Authorization	string	Private/secret key. Use <key> not Bearer <key>

Query parameter

Parameter	Type	Description	Required
bvn	string	BVN Number of Customer	required

Sample response

Response

{
    "entity": {
        "bvn": "12345678901",
        "name": "Ndaka Kadir Hassan",
        "phone": "081234567789",
        "gender": "Male",
        "dateOfBirth": "18/02/1994",
        "address": "ELEGANZA HOUSE,15B JOSEPH WESLEY STR.BROAD STREET   025 NG   LAGOS NIGERIA ",
        "email": "",
        "score": {
            "totalNoOfDelinquentFacilities": 2,
            "hasLoans": "YES",
            "ficoScore": {
                "score": 610,
                "rating": "AVERAGE",
                "reasons": "There is serious delinquency on the accounts, adverse record or collection filed on the credit report. Lack of recent revolving/charge account information on the credit report. There is delinquency on the accounts on credit report. Lack of recent revolving/charge account information on the credit report."
            },
            "lastReportedDate": "30-APR-2021",
            "crcReportOrderNumber": "W-0032057385/2021"
        },
        "searchedDate": "2023-12-20T11:56:38.886Z",
        "customer_id": "25379c18-40a9-4b24-9504-fcdc0f1d47ab"
    }
}

Response Fields

Field	Type	Description
entity	object	Contains the credit score response data
entity.bvn	string	The Bank Verification Number
entity.name	string	Full name of the individual
entity.phone	string	Phone number associated with the BVN
entity.gender	string	Gender of the individual
entity.dateOfBirth	string	Date of birth of the individual (DD/MM/YYYY)
entity.address	string	Registered address of the individual
entity.email	string	Email address of the individual (may be empty)
entity.score	object	Credit score and loan summary
entity.score.totalNoOfDelinquentFacilities	number	Total number of delinquent (defaulting) credit facilities
entity.score.hasLoans	string	Whether the individual has loans (YES or NO)
entity.score.ficoScore	object	FICO credit score details
entity.score.ficoScore.score	number	Numeric FICO score (typically 300–850)
entity.score.ficoScore.rating	string	Credit rating category (e.g., AVERAGE, GOOD, POOR)
entity.score.ficoScore.reasons	string	Explanation of factors affecting the credit score
entity.score.lastReportedDate	string	Date of the most recent credit report entry (DD-MMM-YYYY)
entity.score.crcReportOrderNumber	string	CRC report order reference number
entity.searchedDate	string	ISO 8601 timestamp of when the query was performed
entity.customer_id	string	Unique customer identifier for the query