Credit Report API

Access credit scores, bureau reports, repayment history, and risk signals from all four Indian bureaus through a single unified endpoint.

Capabilities

Credit Intelligence at a Glance

One API call. Four bureaus. Comprehensive credit intelligence for smarter lending decisions.

Credit ScoreRetrieve the latest credit score from Experian, CRIF, Equifax, or CIBIL with bureau source attribution.
Credit ReportFull bureau report including accounts, enquiries, defaults, and public records in structured JSON.
Repayment BehaviourMonth-by-month repayment patterns, DPD buckets, and on-time payment ratios for trend analysis.
Credit UtilisationCurrent and historical utilisation ratios across revolving credit, cards, and overdraft facilities.
Enquiry AnalysisTrack recent hard and soft enquiries across bureaus to identify credit-hungry behaviour.
Delinquency SignalsFlag accounts with 30/60/90+ day past-due records, write-offs, and settled accounts.
Request & Response

One Call, Full Picture

Pass consent and get a structured bureau response in under 2 seconds.

request.sh
# Fetch a credit report
curl --request POST \
  --url https://api.scofit.app/v1/credit/report \
  --header 'Authorization: Bearer sk_live_...' \
  --header 'Content-Type: application/json' \
  --data '{
    "customer_id": "cust_9f3b2a",
    "consent": "yes",
    "purpose": "credit_underwriting"
  }'

# → Response
{
  "status": "success",
  "bureau": "EXPERIAN",
  "credit_score": 740,
  "score_range": "300-900",
  "total_accounts": 12,
  "active_accounts": 8,
  "total_credit_limit": "₹4,50,000",
  "credit_utilisation_pct": 34,
  "delinquent_accounts": 0,
  "last_enquiry_date": "2025-10-02",
  "report_generated_at": "2025-12-15T10:32:00Z"
}
Use Cases

How Lenders Use Credit Intelligence

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Pre-Qualification — Screen applicants against bureau thresholds before pulling full reports to reduce costs.

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Customer Onboarding — Combine credit scores with KYC data to instantly segment new customers by risk tier.

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Underwriting — Feed full bureau data into decisioning engines for automated or semi-automated credit approval.

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Portfolio Monitoring — Run periodic bureau pulls on existing borrowers to detect emerging credit risk early.

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Collection Prioritisation — Cross-reference delinquency data with bureau scores to prioritise recovery outreach.

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Regulatory Reporting — Maintain auditable credit assessment records for RBI compliance and internal audits.

Deeper Integration

Go Beyond a Score

Credit intelligence is just one layer. Build complete risk infrastructure with Scofit.

Credit Bureau API — Full GuideUnderstand bureau integrations, consent flows, and data interpretation for lending decisions.
Credit Intelligence ProductPre-built credit decisioning with multi-bureau pulls, scorecards, and monitoring pipelines.
Read the Guide → Explore Product →
Registered Office

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