Individual Credit Report
Individual Credit Report
Retrieves a Nigerian individual's credit bureau report — account summary, payment history, delinquencies and address history.
You can search three ways: by identifier, by account number, or by consumer name plus date of birth. Send "" for the fields you are not searching on.
POST /api/v1/id-verifications/identity/ng/credit-report
Authenticate with your API key (x-api-key) or a bearer token.
Requires the KYC_NG_VERIFY and KYC_RESULT_VIEW permissions.
Request body
| Name | Type | Description |
|---|---|---|
id | String | BVN, mobile number, National ID, Pencom ID, passport or driver's licence. |
accountNumber | String | Search by account number instead. |
consumerName | String | Search by name — pair with dateOfBirth. |
dateOfBirth | String | YYYY-MM-DD. |
enquiryReason* | String | Why you are running the check, e.g. borrower_existing_credit. |
isSubjectConsent* | Boolean | Confirms the subject consented to the check. Must be true. Rejected before the provider is called, so a false costs you nothing. |
Fields marked * are required.
Example
Request
{
"id": "22471069115",
"isSubjectConsent": true,
"enquiryReason": "borrower_existing_credit",
"consumerName": "",
"accountNumber": "",
"dateOfBirth": ""
}
Response
{
"status": 200,
"data": {
"id": "1496dbce-8237-4a98-8b1b-930afdf9d006",
"fullName": "",
"documentType": "NG_CREDIT_REPORT",
"documentCountry": "NG",
"documentId": "22471069115",
"requestAt": "2026-09-04T09:26:13.570Z",
"requestUpdatedAt": "2026-09-04T09:29:27.433Z",
"requestedBy": {
"id": "dcd1e472-2be7-41b3-b812-cdec840225a0",
"firstName": "sylvernus",
"lastName": "akubo"
},
"type": "ngIndividualCreditReport",
"email": "",
"image": "",
"gender": "",
"mobile": "",
"reason": null,
"status": "found",
"country": "NG",
"idNumber": "22471069115",
"lastName": "",
"metadata": {},
"checkType": "ng.credit-report",
"firstName": "",
"isConsent": true,
"middleName": "",
"dateOfBirth": "",
"validations": null,
"addressHistory": [
{
"_id": "6a9a8f76e80c8939a90c7f18",
"address1": null,
"address2": null,
"address3": null,
"address4": null,
"upDateDate": null,
"upDateOnDate": null,
"addressTypeInd": null
}
],
"dataValidation": false,
"guarantorCount": [
{
"_id": "6a9a8f76e80c8939a90c7f14",
"accounts": "0",
"guarantorsSecured": "0"
}
],
"identityNumber": "22471069115",
"imageValidation": false,
"guarantorDetails": [
{
"_id": "6a9a8f76e80c8939a90c7f15",
"guarantorGender": "",
"guarantorOtherID": "",
"guarantorAddress1": "",
"guarantorAddress2": "",
"guarantorAddress3": "",
"guarantorPassport": "",
"guarantorFirstName": "",
"guarantorOtherName": "",
"guarantorPENCOMIDNo": "",
"guarantorDateOfBirth": "",
"guarantorNationalIDNo": "",
"guarantorHomeTelephone": "",
"guarantorworkTelephone": "",
"guarantorDriverLicenceNo": "",
"guarantorMobileTelephone": ""
}
],
"telephoneHistory": [],
"employmentHistory": [
{
"_id": "6a9a8f76e80c8939a90c7f19",
"occupation": null,
"upDateDate": null,
"upDateOnDate": null,
"employerDetail": null
}
],
"enquiryHistoryTop": [
{
"_id": "6a9a8f76e80c8939a90c7f16",
"dateRequested": null,
"enquiryReason": null,
"subscriberName": null,
"companyTelephoneNo": null,
"subscriberEnquiryResultID": null
}
],
"allValidationPassed": false,
"creditAccountRating": [
{
"_id": "6a9a8f76e80c8939a90c7f05",
"noOfOtherAccountsBad": "0",
"noOfOtherAccountsGood": "6",
"noOfRetailAccountsBad": "0",
"noOfRetailAccountsGood": "0",
"noOfTelecomAccountsBad": "0",
"noOfAutoLoanAccountsBad": "0",
"noOfAutoLoanccountsGood": "0",
"noOfHomeLoanAccountsBad": "0",
"noOfTelecomAccountsGood": "0",
"noOfHomeLoanAccountsGood": "0",
"noOfJointLoanAccountsBad": "0",
"noOfStudyLoanAccountsBad": "0",
"noOfCreditCardAccountsBad": "0",
"noOfJointLoanAccountsGood": "0",
"noOfStudyLoanAccountsGood": "0",
"noOfCreditCardAccountsGood": "0",
"noOfPersonalLoanAccountsBad": "0",
"noOfPersonalLoanAccountsGood": "0"
}
],
"creditAccountSummary": [
{
"_id": "6a9a8f76e80c8939a90c7f04",
"rating": "118",
"amountarrear": "0.00",
"amountarrear1": "0.00",
"totalAccounts": "7",
"totalAccounts1": "0",
"lastJudgementDate": "-",
"lastJudgementDate1": "-",
"totalAccountarrear": "2",
"totalAccountarrear1": "0",
"totalJudgementAmount": "0",
"totalOutstandingdebt": "0.00",
"totalJudgementAmount1": "0",
"totalOutstandingdebt1": "0.00",
"lastBouncedChequesDate": null,
"totalDishonouredAmount": "0.00",
"totalMonthlyInstalment": "17,205.00",
"totalNumberofJudgement": "0",
"lastBouncedChequesDate1": null,
"totalDishonouredAmount1": "0.00",
"totalMonthlyInstalment1": "0.00",
"totalNumberofJudgement1": "0",
"totalNumberofDishonoured": "0",
"totalNumberofDishonoured1": "0",
"totalaccountinBadcondition": "0",
"totalaccountinGodcondition": "6",
"totalaccountinGodcondition1": "0",
"totalaccountinGoodcondition": "6"
}
],
"deliquencyInformation": [
{
"_id": "6a9a8f76e80c8939a90c7f03",
"accountNo": "",
"periodNum": "",
"subscriberName": "",
"monthsinArrears": ""
}
],
"identificationHistory": [
{
"_id": "6a9a8f76e80c8939a90c7f17",
"upDateDate": null,
"upDateOnDate": null,
"identificationType": null,
"identificationNumber": null
}
],
"creditAgreementSummary": [
{
"_id": "6a9a8f76e80c8939a90c7f06",
"currency": "NGN",
"accountNo": "032SPLG212310004",
"closedDate": "21/03/2022",
"loanDuration": "214",
"subAccountNo": "",
"accountStatus": "Closed",
"amountOverdue": "0.00",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"lastUpdatedDate": "21/04/2023",
"instalmentAmount": null,
"currentBalanceAmt": null,
"dateAccountOpened": "19/08/2021",
"openingBalanceAmt": "150,000.00",
"performanceStatus": "Performing",
"repaymentFrequency": "We",
"indicatorDescription": null,
"currentBalanceDebitInd": null
},
{
"_id": "6a9a8f76e80c8939a90c7f07",
"currency": "NGN",
"accountNo": "032SPLI000000088",
"closedDate": "18/05/2021",
"loanDuration": "151",
"subAccountNo": "",
"accountStatus": "Closed",
"amountOverdue": "0.00",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"lastUpdatedDate": "21/04/2023",
"instalmentAmount": null,
"currentBalanceAmt": null,
"dateAccountOpened": "18/11/2020",
"openingBalanceAmt": "85,298.25",
"performanceStatus": "Watchlist",
"repaymentFrequency": "We",
"indicatorDescription": null,
"currentBalanceDebitInd": null
},
{
"_id": "6a9a8f76e80c8939a90c7f08",
"currency": "NGN",
"accountNo": "5014734231",
"closedDate": "04/04/2018",
"loanDuration": "7",
"subAccountNo": "",
"accountStatus": "Closed",
"amountOverdue": "0.00",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"lastUpdatedDate": "30/08/2018",
"instalmentAmount": "2,406.06",
"currentBalanceAmt": "0.00",
"dateAccountOpened": "31/08/2017",
"openingBalanceAmt": "60,000.00",
"performanceStatus": "Performing",
"repaymentFrequency": "Weekly",
"indicatorDescription": null,
"currentBalanceDebitInd": null
},
{
"_id": "6a9a8f76e80c8939a90c7f09",
"currency": "NGN",
"accountNo": "5015245293",
"closedDate": "21/11/2018",
"loanDuration": "7",
"subAccountNo": "",
"accountStatus": "Closed",
"amountOverdue": "0.00",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"lastUpdatedDate": "11/01/2019",
"instalmentAmount": "3,615.23",
"currentBalanceAmt": "0.00",
"dateAccountOpened": "17/04/2018",
"openingBalanceAmt": "90,000.00",
"performanceStatus": "Performing",
"repaymentFrequency": "Weekly",
"indicatorDescription": null,
"currentBalanceDebitInd": null
},
"\u2026"
],
"personalDetailsSummary": [
{
"_id": "6a9a8f76e80c8939a90c7f02",
"gender": "Female",
"header": "PERSONAL DETAILS SUMMARY: Amos Testi ",
"surname": "Amos",
"birthDate": "26/01/1977",
"firstName": "Testi",
"otheridNo": "",
"cellularNo": "",
"consumerID": "2599049",
"dependants": "0",
"otherNames": "",
"passportNo": null,
"pencomIDNo": "",
"nationality": "Nigeria",
"referenceNo": null,
"emailAddress": "",
"nationalIDNo": "",
"maritalStatus": null,
"employerDetail": null,
"postalAddress1": null,
"postalAddress2": null,
"postalAddress3": null,
"postalAddress4": null,
"homeTelephoneNo": null,
"workTelephoneNo": null,
"driversLicenseNo": null,
"propertyOwnedType": "",
"bankVerificationNo": "22471069115",
"residentialAddress1": "College Road Abaro Aladje",
"residentialAddress2": "Delta",
"residentialAddress3": "",
"residentialAddress4": " "
}
],
"accountMonthlyPaymentHistory": [
{
"_id": "6a9a8f76e80c8939a90c7f0d",
"currency": "NGN",
"accountNo": "032SPLG212310004",
"closedDate": "21/03/2022",
"accountNote": "",
"loanDuration": "214 Day(s)",
"subAccountNo": "",
"accountStatus": "Closed",
"amountOverdue": "0.00",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"lastPaymentDate": null,
"lastUpdatedDate": "21/04/2023",
"currentBalanceAmt": null,
"dateAccountOpened": "19/08/2021",
"openingBalanceAmt": "150,000.00",
"performanceStatus": "Performing",
"subscriberTypeInd": "M",
"indicatorDescription": null,
"monthlyInstalmentAmt": null,
"currentBalanceDebitInd": null,
"repaymentFrequencyCode": "We"
},
{
"_id": "6a9a8f76e80c8939a90c7f0e",
"currency": "NGN",
"accountNo": "032SPLI000000088",
"closedDate": "18/05/2021",
"accountNote": "",
"loanDuration": "151 Day(s)",
"subAccountNo": "",
"accountStatus": "Closed",
"amountOverdue": "0.00",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"lastPaymentDate": null,
"lastUpdatedDate": "21/04/2023",
"currentBalanceAmt": null,
"dateAccountOpened": "18/11/2020",
"openingBalanceAmt": "85,298.25",
"performanceStatus": "Watchlist",
"subscriberTypeInd": "M",
"indicatorDescription": null,
"monthlyInstalmentAmt": null,
"currentBalanceDebitInd": null,
"repaymentFrequencyCode": "We"
},
{
"_id": "6a9a8f76e80c8939a90c7f0f",
"currency": "NGN",
"accountNo": "5014734231",
"closedDate": "04/04/2018",
"accountNote": "",
"loanDuration": "7 Day(s)",
"subAccountNo": "",
"accountStatus": "Closed",
"amountOverdue": "0.00",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"lastPaymentDate": null,
"lastUpdatedDate": "30/08/2018",
"currentBalanceAmt": "2,406.06",
"dateAccountOpened": "31/08/2017",
"openingBalanceAmt": "60,000.00",
"performanceStatus": "Performing",
"subscriberTypeInd": "M",
"indicatorDescription": null,
"monthlyInstalmentAmt": "0.00",
"currentBalanceDebitInd": null,
"repaymentFrequencyCode": "Weekly"
},
{
"_id": "6a9a8f76e80c8939a90c7f10",
"currency": "NGN",
"accountNo": "5015245293",
"closedDate": "21/11/2018",
"accountNote": "",
"loanDuration": "7 Day(s)",
"subAccountNo": "",
"accountStatus": "Closed",
"amountOverdue": "0.00",
"subscriberName": "LAPO Microfinance Bank Limited Edo",
"lastPaymentDate": null,
"lastUpdatedDate": "11/01/2019",
"currentBalanceAmt": "3,615.23",
"dateAccountOpened": "17/04/2018",
"openingBalanceAmt": "90,000.00",
"performanceStatus": "Performing",
"subscriberTypeInd": "M",
"indicatorDescription": null,
"monthlyInstalmentAmt": "0.00",
"currentBalanceDebitInd": null,
"repaymentFrequencyCode": "Weekly"
},
"\u2026"
]
},
"message": "Successfull!",
"code": "info"
}