Credit Score & Report API

Credit score and credit report APIs are the backbone of lending decisions in India. Whether it's a personal loan, business loan, credit card approval, or mortgage underwriting, credit intelligence is the single most important factor in assessing a borrower's repayment capacity and default risk. digiverification 's Credit Score & Report API provides instant access to credit data from major Indian credit bureaus.

Our API fetches the borrower's credit score — a three-digit number (typically 300-900) that represents their creditworthiness based on repayment history, credit utilization, credit age, credit mix, and recent inquiries. A higher score indicates lower default risk, enabling lenders to make faster approval decisions with greater confidence.

Beyond the score, our Full Credit Report API retrieves comprehensive credit data including account-level details of all active and closed credit facilities, payment history for the past 36 months, default and delinquency records, outstanding balances, credit utilization ratios, recent credit inquiries, and dispute information. This granular data enables sophisticated underwriting models and risk assessment workflows.

For digital lending platforms, real-time credit bureau integration is essential for instant loan approvals. digiverification 's API enables sub-second credit checks that power pre-approved loan offers, instant credit limit decisions, and real-time risk-based pricing. Combined with our identity verification and income verification APIs, lenders can build fully automated, end-to-end underwriting workflows.

NBFCs and microfinance institutions serving thin-file or new-to-credit customers benefit from our alternative credit scoring capabilities. By combining bureau data with alternative signals — mobile data, digital footprint, bank statement analysis — we help lenders assess borrowers who may not have traditional credit histories.

Our API supports consent-based credit pulls with digital consent management, ensuring compliance with credit bureau regulations and data privacy requirements. All credit data is transmitted via end-to-end encrypted channels with comprehensive audit logging.

The Credit API supports individual pulls and bulk portfolio monitoring, enabling lenders to track credit health across their entire loan book and receive alerts on significant credit events like new defaults, increased utilization, or score drops.