Credit Reports
Kenya credit information reports (CIR) for individuals and businesses. Individual: POST /api/v1/credit-info/individual/ke with id_number. Business: POST /api/v1/credit-info/business/ke with registration_number. Both require consent: true. Providers: creditinfo (default) or metropol.
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Individual credit report
POST/api/v1/credit-info/individual/ke
{{baseUrl}}/api/v1/credit-info/individual/keHeader
Body Parameters
Individual request payload
Request payload for Individual request payload:
Sample dataRequest payload
{
"provider": "creditinfo",
"id_number": "12345678",
"consent": true
}Expected response for Individual request payload:
200 OKSample dataExpected response
{
"success": true,
"response_code": 200,
"message": "Credit information retrieved successfully",
"country": "ke",
"data": {
"provider": "creditinfo",
"subject_type": "individual",
"general": {
"citizenship": "Kenyan",
"country_of_birth": "KE",
"creditinfo_id": "10000001",
"date_of_birth": "1990-01-01T00:00:00Z",
"education": null,
"email": "john.doe.sample@example.com",
"employer_name": "SAMPLE EMPLOYER LTD",
"employment": "Employed",
"forename1": "JOHN",
"forename2": "SAMPLE",
"full_name": "DOE JOHN SAMPLE",
"gender": "Male",
"home_phone": null,
"income_available": {
"currency": "KES",
"value": "100000.00",
"local_value": "100000.00"
},
"main_address": {
"address_line": "123 SAMPLE STREET",
"town": "Nairobi",
"country": "KE",
"postal_code": null
},
"marital_status": "Single",
"mobile_phone": "254712345678",
"national_id": "12345678",
"reference_number": "CIR00001-10000001-10000001",
"report_date": "2026-09-17T05:14:33.9612618Z",
"report_reference_number": "10000001-10000001",
"report_status": "ReportGenerated",
"residency": null,
"search_id_number": "12345678",
"secondary_address": null,
"social_status": null,
"surname": "DOE",
"vat_number": null,
"work_phone": null
},
"scoring": {
"cip_records": [
{
"date": "2026-09-17T05:14:32.2609304Z",
"grade": "D3",
"probability_of_default": "15.93",
"reasons": [
{
"code": "MSS2",
"description": "Delinquencies in no mobile contracts last 3 months"
},
{
"code": "PDA1",
"description": "Very high amount of past due contract last 6 months"
}
],
"score": "602.0",
"trend": "Up"
},
{
"date": "2026-08-30T21:00:00Z",
"grade": "E3",
"probability_of_default": "100.0",
"reasons": [
{
"code": "BAD1",
"description": null
},
{
"code": "MSS2",
"description": null
}
],
"score": "250.0",
"trend": "NoChange"
}
],
"cip_risk_grade": "D3",
"cip_score": "602.0",
"probability_of_default": "15.93",
"trend": "Up"
},
"contracts_summary": {
"closed_contracts": 88,
"open_contracts": 8,
"original_amount_sum": 380336,
"total_balance": 335751.53,
"total_contracts": 96,
"total_overdue_balance": 231185,
"worst_days_in_arrears": 480,
"worst_overdue_balance": {
"currency": "KES",
"local_value": "231185.00",
"value": "231185.00"
}
},
"contracts": [
{
"account_product_type": "MobileBankingLoan",
"account_status": "GrantedAndActivated",
"contract_code": "PL-10001",
"currency_of_facility": "KES",
"current_balance": null,
"date_account_opened": "2026-03-15T21:00:00Z",
"date_of_last_payment": null,
"days_in_arrears": "0",
"installment_amount": {
"currency": "KES",
"local_value": "3044.26",
"value": "3044.26"
},
"installments_in_arrears": "0",
"negative_status": "NoNegativeStatus",
"original_amount": {
"currency": "KES",
"local_value": "3000.00",
"value": "3000.00"
},
"outstanding_amount": {
"currency": "KES",
"local_value": "3000.00",
"value": "3000.00"
},
"overdue_balance": {
"currency": "KES",
"local_value": "0.00",
"value": "0.00"
},
"payment_frequency": "NotSpecified",
"performing_indicator": "Normal",
"phase_of_contract": "Open",
"role_of_client": "MainDebtor",
"sector": "Banks",
"subscriber": "SAMPLE BANK LTD",
"worst_past_due_amount": {
"currency": "KES",
"local_value": "0.00",
"value": "0.00"
},
"worst_past_due_days": "0"
}
],
"payment_calendar": [
{
"contracts_submitted": "6",
"current_balance": {
"currency": "KES",
"local_value": "64275.93",
"value": "64275.93"
},
"date": "2026-09-29T21:00:00Z",
"days_in_arrears": "0",
"delinquency_status": "Ok",
"installments_in_arrears": "1",
"overdue_balance": {
"currency": "KES",
"local_value": "0.00",
"value": "0.00"
}
}
],
"dashboard": {
"bounced_cheques": {
"number_of_cheques": "0"
},
"cip": {
"grade": "D3",
"score": "602.0",
"trend": "Up"
},
"credit_application": {
"number_of_open": "0",
"total_number": "0"
},
"disputes": {
"active_contract_disputes": "0",
"closed_contract_disputes": "0",
"false_disputes": "0"
},
"inquiries": {
"inquiries_for_last_12_months": "13",
"subscribers_in_last_12_months": "1"
},
"payments_profile": {
"closed_contracts": "88",
"installment_amount_sum": {
"currency": "KES",
"local_value": "70565.98",
"value": "70565.98"
},
"number_of_different_subscribers": "5",
"open_contracts": "8",
"past_due_amount_sum": {
"currency": "KES",
"local_value": "231185.00",
"value": "231185.00"
},
"worst_past_due_days_current": "480",
"worst_past_due_days_for_last_12_months": "480"
}
},
"inquiries": {
"number_of_inquiries_last_12_months": "13",
"number_of_inquiries_last_1_month": "0",
"number_of_inquiries_last_24_months": "14",
"number_of_inquiries_last_3_months": "1",
"number_of_inquiries_last_6_months": "1"
},
"disputes": {
"active_disputes_contracts": "0",
"active_disputes_in_court": "0",
"closed_disputes_contracts": "0",
"false_disputes": "0"
},
"credit_applications": {
"applications": null,
"number_of_closed_application": "0",
"number_of_open_applications": "0",
"total_number": "0",
"total_number_12_months": "0"
},
"extract": {
"consent": true,
"consent_date": "2026-09-17T05:14:33.9612618Z",
"application_date": "2026-09-17T05:14:33.9612618Z",
"date_of_issue": "2026-09-17T05:14:33.9612618Z",
"document_reference_no": "CIR00001-10000001-10000001",
"full_names": "DOE JOHN SAMPLE",
"document_no": "12345678",
"document_type": "NationalID",
"email_address": null
},
"parameters": {
"id_number": "12345678",
"id_number_type": "NationalID",
"search_id_number": "12345678",
"subject_type": "Individual",
"inquiry_reason": "ApplicationForCreditOrAmendmentOfCreditTerms",
"report_date": "2026-09-17T05:14:32.2609304Z",
"consent": true
}
},
"request_id": "550e8400-e29b-41d4-a716-446655440000"
}Response Fields
Providers
Optional provider field on both endpoints. Omit to use the default.
Business credit report
POST /api/v1/credit-info/business/ke — company CIR by registration_number (BN / PVT / PLC / C / LLP). Requires consent: true. Billed as credit-info-business on HTTP 200 / 404.
POST/api/v1/credit-info/business/ke
{{baseUrl}}/api/v1/credit-info/business/keBusiness request payload
Sample dataRequest payload
{
"provider": "creditinfo",
"registration_number": "PVT-2019-123456",
"consent": true
}200 OKSample dataExpected response
{
"success": true,
"response_code": 200,
"message": "Credit information retrieved successfully",
"country": "ke",
"data": {
"provider": "creditinfo",
"subject_type": "business",
"general": {
"company_income": {
"currency": "KES",
"local_value": "7808400.00",
"value": "7808400.00"
},
"company_type": "LimitedLiabilityCompanyPrivate",
"creditinfo_id": "20000002",
"industry_code": "Trade",
"main_address": {
"address_line": "Nairobi CBD",
"town": "Nairobi",
"country": "KE",
"postal_code": null
},
"main_telephone": "+254712345678",
"other_telephone": null,
"reference_number": "CIR00002-20000002-20000002",
"registered_name": "SAMPLE HOLDINGS LIMITED",
"registration_date": "1997-06-11T21:00:00Z",
"registration_number": "C.12345",
"report_date": "2026-09-16T08:48:52.9841439Z",
"report_reference_number": "20000002-20000002",
"report_status": "ReportGenerated",
"search_registration_number": "PVT-2019-123456",
"secondary_address": null,
"trading_name": "SAMPLE HOLDINGS LIMITED",
"trading_status": "Active",
"vat_number": "P051000000A"
},
"scoring": {
"cip_records": [
{
"date": "2026-09-16T08:48:51.1191238Z",
"grade": "C3",
"probability_of_default": "5.63",
"reasons": [
{
"code": "MSS3",
"description": "Delinquencies in no mobile contracts last 7 months"
},
{
"code": "AGE2",
"description": "Young age group"
}
],
"score": "652.0",
"trend": "Up"
},
{
"date": "2026-08-30T21:00:00Z",
"grade": "C3",
"probability_of_default": "6.84",
"reasons": [
{
"code": "MSS3",
"description": null
},
{
"code": "AGE2",
"description": null
}
],
"score": "643.0",
"trend": "NoChange"
}
],
"cip_risk_grade": "C3",
"cip_score": "652.0",
"probability_of_default": "5.63",
"trend": "Up"
},
"contracts_summary": {
"closed_contracts": 8,
"open_contracts": 3,
"original_amount_sum": 47875833.58,
"total_balance": 2154339.17,
"total_contracts": 11,
"total_overdue_balance": 10437.15,
"worst_days_in_arrears": 12,
"worst_overdue_balance": {
"currency": "KES",
"local_value": "17111.59",
"value": "17111.59"
}
},
"contracts": [
{
"account_product_type": "Overdraft",
"account_status": "GrantedAndActivated",
"contract_code": "OD-30001",
"currency_of_facility": "KES",
"current_balance": null,
"date_account_opened": "2008-11-21T21:00:00Z",
"date_of_last_payment": "2026-03-30T21:00:00Z",
"days_in_arrears": "0",
"installment_amount": {
"currency": "KES",
"local_value": "0.00",
"value": "0.00"
},
"installments_in_arrears": "0",
"negative_status": "NoNegativeStatus",
"original_amount": {
"currency": "KES",
"local_value": "1008.68",
"value": "1008.68"
},
"outstanding_amount": {
"currency": "KES",
"local_value": "1008.68",
"value": "1008.68"
},
"overdue_balance": {
"currency": "KES",
"local_value": "10437.15",
"value": "10437.15"
},
"payment_frequency": "Days30",
"performing_indicator": "Normal",
"phase_of_contract": "Open",
"role_of_client": "MainDebtor",
"sector": "Banks",
"subscriber": "SAMPLE COMMERCIAL BANK",
"worst_past_due_amount": {
"currency": "KES",
"local_value": "10437.15",
"value": "10437.15"
},
"worst_past_due_days": "4"
}
],
"payment_calendar": [
{
"contracts_submitted": "1",
"current_balance": {
"currency": "KES",
"local_value": "990335.12",
"value": "990335.12"
},
"date": "2026-09-29T21:00:00Z",
"days_in_arrears": "0",
"delinquency_status": "Ok",
"installments_in_arrears": "0",
"overdue_balance": {
"currency": "KES",
"local_value": "0.00",
"value": "0.00"
}
}
],
"dashboard": {
"bounced_cheques": {
"number_of_cheques": "0"
},
"cip": {
"grade": "C3",
"score": "652.0",
"trend": "Up"
},
"credit_application": {
"number_of_open": "0",
"total_number": "0"
},
"disputes": {
"active_contract_disputes": "0",
"closed_contract_disputes": "0",
"false_disputes": "0"
},
"inquiries": {
"inquiries_for_last_12_months": "0",
"subscribers_in_last_12_months": "0"
},
"payments_profile": {
"closed_contracts": "8",
"installment_amount_sum": {
"currency": "KES",
"local_value": "1826137.00",
"value": "1826137.00"
},
"number_of_different_subscribers": "3",
"open_contracts": "3",
"past_due_amount_sum": {
"currency": "KES",
"local_value": "10437.15",
"value": "10437.15"
},
"worst_past_due_days_current": "0",
"worst_past_due_days_for_last_12_months": "4"
}
},
"inquiries": {
"number_of_inquiries_last_12_months": "0",
"number_of_inquiries_last_1_month": "0",
"number_of_inquiries_last_24_months": "0",
"number_of_inquiries_last_3_months": "0",
"number_of_inquiries_last_6_months": "0"
},
"disputes": {
"active_disputes_contracts": "0",
"active_disputes_in_court": "0",
"closed_disputes_contracts": "0",
"false_disputes": "0"
},
"credit_applications": {
"applications": null,
"number_of_closed_application": "0",
"number_of_open_applications": "0",
"total_number": "0",
"total_number_12_months": "0"
},
"extract": {
"consent": true,
"consent_date": "2026-09-16T08:48:52.9841439Z",
"application_date": "2026-09-16T08:48:52.9841439Z",
"date_of_issue": "2026-09-16T08:48:52.9841439Z",
"document_reference_no": "CIR00002-20000002-20000002"
},
"parameters": {
"id_number": "C.12345",
"id_number_type": "RegistrationNumber",
"search_id_number": "C.12345",
"subject_type": "Company",
"inquiry_reason": "ApplicationForCreditOrAmendmentOfCreditTerms",
"report_date": "2026-09-16T08:48:51.1191238Z",
"consent": true
}
},
"request_id": "550e8400-e29b-41d4-a716-446655440000"
}Error codes
Standard Peleza HTTP / response_code values (same across all API calls). Validation message text is endpoint-specific. Full reference: Error Codes.
Set {{baseUrl}} to https://api.peleza.com (production) or https://sandbox.peleza.com (sandbox). Authenticated calls need a Bearer token from POST /api/v1/oauth/token.