Credit Bureau Commercial(Business)-Basic

Get basic credit details of a business

As the name suggests, our Business Credit Verification Endpoint for businesses allows companies to quickly verify the credit details of any business. With just the company's RC-registration number, you can access a wealth of information about their financial behavior, including their credit score, repayment history, and outstanding debts. This information is critical for making informed decisions about doing business with other companies and managing your own credit risk.

This endpoint also provides detailed insights into each business's financial profile. You can easily assess the creditworthiness of potential business partners, suppliers, and customers, ensuring that you are making informed decisions that protect your business and drive growth.

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TEST DATA

rc_number: 59002

customer_name: Test Name

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POST

{{URL}}/identitypass/verification/credit_bureau/commercial/basic

Request Header

KeyDescription
app-idYour App ID
x-api-keyYour Secret Key

Request Body

KeyDescription
rc_numberCompany RC number
customer_nameYour customer's name

Sample Response

{
    "status": true,
    "detail": "Credit Check successful",
    "response_code": "00",
    "data": [
        {
            "SubjectList": [
                {
                    "CommercialID": "853535",
                    "SearchOutput": "OCH TEST DUMMY 5,  - ",
                    "Reference": "853535"
                }
            ]
        },
        {
            "BusinessData": [
                {
                    "CommercialID": "853535",
                    "ReferenceNo": null,
                    "BusinessName": "OCH TEST DUMMY 5",
                    "TradingName": null,
                    "IndustrySector": "",
                    "PreviousBusinessName": "",
                    "BusinessRegistrationNumber": "",
                    "PreviousRegistrationNumber": null,
                    "NoOfDirectors": "0",
                    "BusinessType": "",
                    "DateOfIncorporation": "30/07/2018",
                    "DateOfCommencement": null,
                    "TaxIdentificationNumber": "NIL",
                    "VatNumber": null,
                    "Webaddress": null,
                    "CommercialEmail1": null,
                    "CommercialEmail2": null,
                    "CommercialEmail3": null,
                    "CommercialEmail4": null,
                    "CommercialAddress1": "UBA HOUSE 57 MARINA",
                    "CommercialAddress2": "",
                    "CommercialAddress3": "",
                    "CommercialAddress4": "",
                    "postalAddress1": "UBA HOUSE 57 MARINAADD",
                    "postalAddress2": "RESS L",
                    "postalAddress3": "",
                    "postalAddress4": "",
                    "Telephone1": null,
                    "Telephone2": null,
                    "Telephone3": null,
                    "Telephone4": null,
                    "Fax1": null,
                    "Fax2": null,
                    "Fax3": null,
                    "Fax4": null,
                    "UpdatedOn": "11/01/2022"
                }
            ]
        },
        {
            "DirectorInformation": [
                {
                    "Directorid": null,
                    "DateofBirth": null,
                    "firstName": null,
                    "othernames": null,
                    "surname": null,
                    "Identificationnumber": null,
                    "DirectorAppointmentdate": null
                }
            ]
        },
        {
            "FacilityPerformanceSummary": [
                {
                    "TotalMonthlyInstalment": "0.00",
                    "TotalOutstandingdebt": "0.00",
                    "TotalAccountarrear": "0.00",
                    "TotalAccounts": "0",
                    "TotalAccounts1": "0",
                    "Amountarrear": "0.00",
                    "TotalaccountinGoodcondition": "0",
                    "TotalaccountinBadcondition": "0",
                    "TotalNumberofJudgement": "0",
                    "TotalJudgementAmount": "0",
                    "LastJudgementDate": "",
                    "TotalNumberofDishonoured": "0",
                    "TotalDishonouredAmount": "0.00",
                    "LastBouncedChequesDate": null,
                    "TotalMonthlyInstalment1": "0.00",
                    "TotalOutstandingdebt1": "0.00",
                    "TotalAccountarrear1": "0.00",
                    "Amountarrear1": "0.00",
                    "TotalaccountinGoodcondition1": "0",
                    "TotalaccountinBadcondition1": "0",
                    "TotalNumberofJudgement1": "0",
                    "TotalJudgementAmount1": "0",
                    "LastJudgementDate1": "",
                    "TotalNumberofDishonoured1": "0",
                    "TotalDishonouredAmount1": "0.00",
                    "LastBouncedChequesDate1": null,
                    "TotalNumberofAccounts": "0",
                    "LastDishonouredChequeDate": "0",
                    "Rating": null
                }
            ]
        },
        {
            "HighestDelinquencyRating": [
                {
                    "HighestDelinquencyRating": "-1"
                }
            ]
        },
        {
            "EnquiryDetails": [
                {
                    "SubscriberEnquiryResultID": "24327778",
                    "ProductID": "46",
                    "MatchingRate": "13",
                    "SubscriberEnquiryEngineID": "60272880"
                }
            ]
        }
    ]
}

Response Description

ResponseDescription
statusIndicates that the request was successful.
detailThis field indicates the detail of the response.
response_codeRepresents the response code.
dataIt is a string that contains some encrypted or encoded data related to the verification.
SubjectListThis is an array of objects that represent the results of the CAC search.
CommercialIDThe unique identifier for the commercial account.
SearchOutputThe full name and address of the commercial account.
ReferenceA reference number for the commercial account search.
BusinessDataThis is an object that represents the business details summary for a commercial account.
CommercialIDThe unique identifier for the business.
ReferenceNoA reference number for the business.
BusinessNameThe name of the business.
TradingNameThe trading name of the business.
IndustrySectorThe industry sector that the business operates in.
PreviousBusinessNameThe previous name of the business.
BusinessRegistrationNumberThe registration number for the business.
PreviousRegistrationNumberThe previous registration number for the business.
NoOfDirectorsThe number of directors of the business.
BusinessTypeThe type of business, such as sole proprietorship, partnership, or corporation.
DateOfIncorporationThe date that the business was incorporated.
DateOfCommencementThe date that the business commenced operations.
TaxIdentificationNumberThe tax identification number for the business.
VatNumberThe VAT number for the business, if applicable.
WebaddressThe website address for the business.
CommercialEmail1The primary email address for the business.
CommercialEmail2The secondary email address for the business.
CommercialEmail3The tertiary email address for the business.
CommercialEmail4The quaternary email address for the business.
CommercialAddress1The first line of the business address.
CommercialAddress2The second line of the business address.
CommercialAddress3The third line of the business address.
CommercialAddress4The fourth line of the business address.
postalAddress1The first line of the postal address for the business.
postalAddress2The second line of the postal address for the business.
postalAddress3The third line of the postal address for the business.
postalAddress4The fourth line of the postal address for the business.
Telephone1The primary telephone number for the business.
Telephone2The secondary telephone number for the business.
Telephone3The tertiary telephone number for the business.
Telephone4The quaternary telephone number for the business.
Fax1The primary fax number for the business.
Fax2The secondary fax number for the business.
Fax3The tertiary fax number for the business.
Fax4The quaternary fax number for the business.
UpdatedOnThe date that the business data was last updated.
DirectorInformationThis is an array of objects that represent the directorโ€™s information, one for each director of the company.
DirectoridThe unique identifier for the director. This is a number that is assigned to each director by the company.
DateofBirthThe director's date of birth. This is the date on which the director was born.
firstNameThe director's first name. This is the director's given name.
othernamesThe director's middle names. This is the director's middle names, if any.
surnameThe director's last name. This is the director's family name.
IdentificationnumberThe director's identification number. This is a number that is used to identify the director.
DirectorAppointmentdateThe date on which the director was appointed to the company. This is the date on which the director was hired by the company.
FacilityPerformanceSummaryThis is an object that represents the factory performance summary for a commercial account.
TotalMonthlyInstalmentThe total monthly installment amount for all of the facility's accounts.
TotalOutstandingdebtThe total outstanding debt for all of the facility's accounts.
TotalAccountarrearThe total number of accounts that are in arrears.
AmountarrearThe total amount of money that is owed on the accounts that are in arrears.
TotalAccountsThe total number of accounts that the facility has.
TotalAccounts1The total number of accounts that are in good standing.
TotalaccountinGodconditionThe total number of accounts that are in good condition.
TotalaccountinGoodconditionThe total number of accounts that are in good condition.
TotalNumberofJudgementThe total number of judgments that have been issued against the facility.
TotalJudgementAmountThe total amount of money that is owed on the judgments that have been issued against the facility.
LastJudgementDateThe date of the most recent judgment that was issued against the facility.
TotalNumberofDishonouredThe total number of times that the facility has had a check or a payment bounced.
TotalDishonouredAmountThe total amount of money that has been lost due to bounced checks or payments.
LastBouncedChequesDateThe date of the most recent bounced check or payment.
RatingThe facility's credit rating.
HighestDelinquencyRatingThe highest delinquency rating for any of the consumer's accounts. A delinquency rating is a number that represents the extent to which an account is in arrears.
EnquiryDetailsThis is an array of multiple objects, one for each enquiry that the consumer has made.
SubscriberEnquiryResultIDThe unique identifier for the enquiry result.
ProductIDThe ID of the product that the consumer enquired about.
MatchingRateThe rate at which the consumer's credit profile matches the criteria for the product.
SubscriberEnquiryEngineIDThe ID of the engine that processed the enquiry.