Response

Periculum

{ "statementKey": 1, "data": { "dashboard": { "cip": { "score": 999, "grade": "XX", "trend": "NoChange", "recordList": null }, "inquiries": { "inquiriesForLast12Months": 15, "subscribersInLast12Months": 1, "summary": null, "inquiryList": null }, "paymentsProfile": { "pastDueAmountSum": { "value": 0, "localValue": 0, "currency": "KES" }, "worstPastDueDaysCurrent": 0, "worstPastDueDaysForLast12Months": 0, "installmentAmountSum": { "value": 6000, "localValue": 6000, "currency": "KES" }, "numberOfDifferentSubscribers": 1, "openContracts": 1, "closedContracts": 0 }, "collaterals": { "numberOfCollaterals": 0, "totalCollateralValue": { "value": 0, "localValue": 0, "currency": "KES" }, "highestCollateralValue": { "value": 0, "localValue": 0, "currency": "KES" }, "highestCollateralValueType": "NotSpecified" }, "relations": { "numberOfRelations": 0, "numberOfInvolvements": 0 }, "disputes": { "activeChequesDisputes": 0, "activeContractDisputes": 0, "activeSubjectDisputes": 0, "closedChequesDisputes": 0, "closedContractDisputes": 0, "closedSubjectDisputes": 0, "falseDisputes": 0, "numberOfCourtRegisteredDisputes": 0, "closedDisputes": null, "activeDisputes": null, "activeInCourtDisputes": null, "disputeList": null, "summary": null }, "ciq": { "fraudAlerts": 0, "fraudAlertsThirdParty": 0, "summary": null, "detail": null }, "bouncedCheques": { "numberOfCheques": 0, "chequeList": null } }, "individual": { "artificialEntityRelationsList": [], "general": { "surname": "John", "forename1": "Doe", "fullName": "Steve", "classificationOfIndividual": "Individual", "gender": "Male", "dateOfBirth": "1990-01-10T00:00:00Z", "countryOfBirth": "NotSpecified", "maritalStatus": "NotSpecified", "socialStatus": "NotSpecified", "residency": "NotSpecified", "citizenship": "NotSpecified", "employment": "NotSpecified", "education": "NotSpecified" }, "identifications": { "nationalID": "12345678", "creditinfoId": 32134526 }, "mainAddress": { "town": "Kenya", "country": "KE" }, "secondaryAddress": { "town": "Kenya", "country": "KE" }, "contact": {} }, "subjectInfoHistory": { "generalList": [], "identificationsList": [], "addressList": [], "contactList": [] }, "cip": { "score": null, "grade": null, "trend": null, "recordList": [ { "score": 999, "grade": "XX", "probabilityOfDefault": 100, "trend": "NoChange", "date": "2023-09-18T23:11:01.2191926Z", "reasonsList": [ { "code": "XDAT", "description": "Subject is found in the database but did not have at least 2 MainDebtor or CoDebtor snapshots in the last 12 months" } ] }, { "score": 999, "grade": "XX", "probabilityOfDefault": 100, "trend": "NoChange", "date": "2023-08-31T00:00:00Z", "reasonsList": [ { "code": "XDAT", "description": null } ] }, { "score": 999, "grade": "XX", "probabilityOfDefault": 100, "trend": "NoChange", "date": "2023-07-31T00:00:00Z", "reasonsList": [ { "code": "XDAT", "description": null } ] }, { "score": 999, "grade": "XX", "probabilityOfDefault": 100, "trend": "NoChange", "date": "2023-06-30T00:00:00Z", "reasonsList": [ { "code": "XDAT", "description": null } ] }, { "score": 999, "grade": "XX", "probabilityOfDefault": 100, "trend": "NoChange", "date": "2023-05-31T00:00:00Z", "reasonsList": [ { "code": "XDAT", "description": null } ] }, { "score": 999, "grade": "XX", "probabilityOfDefault": 100, "trend": "NoChange", "date": "2023-04-30T00:00:00Z", "reasonsList": [ { "code": "XDAT", "description": null } ] }, { "score": 999, "grade": "XX", "probabilityOfDefault": 100, "trend": "NoChange", "date": "2023-03-31T00:00:00Z", "reasonsList": [ { "code": "XDAT", "description": null } ] }, { "score": 999, "grade": "XX", "probabilityOfDefault": 100, "trend": "NoChange", "date": "2023-02-28T00:00:00Z", "reasonsList": [ { "code": "XDAT", "description": null } ] }, { "score": 999, "grade": "XX", "probabilityOfDefault": 100, "trend": "NoChange", "date": "2023-01-31T00:00:00Z", "reasonsList": [ { "code": "XDAT", "description": null } ] }, { "score": 999, "grade": "XX", "probabilityOfDefault": 100, "trend": "NoChange", "date": "2022-12-31T00:00:00Z", "reasonsList": [ { "code": "XDAT", "description": null } ] }, { "score": 999, "grade": "XX", "probabilityOfDefault": 100, "trend": "NoChange", "date": "2022-11-30T00:00:00Z", "reasonsList": [ { "code": "XDAT", "description": null } ] }, { "score": 999, "grade": "XX", "probabilityOfDefault": 100, "trend": "NoChange", "date": "2022-10-31T00:00:00Z", "reasonsList": [ { "code": "XDAT", "description": null } ] }, { "score": 999, "grade": "XX", "probabilityOfDefault": 100, "trend": "Up", "date": "2022-09-30T00:00:00Z", "reasonsList": [ { "code": "XDAT", "description": null } ] } ] }, "contracts": { "contractList": [ { "artificialEntityCode": "C1", "artificialEntityRelationsList": [], "branch": "Kenya", "phaseOfContract": "Open", "accountStatus": "GrantedAndActivated", "accountProductType": "MobileBankingLoan", "performingIndicator": "Performing", "currencyOfFacility": "KES", "originalAmount": { "value": 6000, "localValue": 6000, "currency": "KES" }, "installmentAmount": { "value": 6000, "localValue": 6000, "currency": "KES" }, "outstandingAmount": { "value": 6900, "localValue": 6900, "currency": "KES" }, "overdueBalance": { "value": 0, "localValue": 0, "currency": "KES" }, "worstPastDueAmount": { "value": 0, "localValue": 0, "currency": "KES" }, "daysInArrears": 0, "worstPastDueDays": 0, "installmentsInArrears": 0, "dateOfLastPayment": "2018-07-27T00:00:00Z", "paymentFrequency": "Days30", "dateAccountOpened": "2018-02-08T00:00:00Z", "negativeStatusOfContract": "NoNegativeStatus", "subscriber": "Tala", "subscriberType": "Others", "roleOfClient": "MainDebtor", "contractCode": "2362112-fcdf760ce7a", "internalEntityCode": "2700671835", "lastUpdate": "2018-08-31T00:00:00Z", "relatedSubjectList": [], "collateralList": [], "calendarItemList": [ { "date": "2023-09-30T00:00:00Z", "delinquencyStatus": "NotAvailable" }, { "date": "2023-08-31T00:00:00Z", "delinquencyStatus": "NotAvailable" }, { "date": "2023-07-31T00:00:00Z", "delinquencyStatus": "NotAvailable" }, { "date": "2023-06-30T00:00:00Z", "delinquencyStatus": "NotAvailable" }, { "date": "2023-05-31T00:00:00Z", "delinquencyStatus": "NotAvailable" }, { "date": "2023-04-30T00:00:00Z", "delinquencyStatus": "NotAvailable" }, { "date": "2023-03-31T00:00:00Z", "delinquencyStatus": "NotAvailable" }, { "date": "2023-02-28T00:00:00Z", "delinquencyStatus": "NotAvailable" }, { "date": "2023-01-31T00:00:00Z", "delinquencyStatus": "NotAvailable" }, { "date": "2022-12-31T00:00:00Z", "delinquencyStatus": "NotAvailable" }, { "date": "2022-11-30T00:00:00Z", "delinquencyStatus": "NotAvailable" }, { "date": "2022-10-31T00:00:00Z", "delinquencyStatus": "NotAvailable" } ], "disputes": { "activeChequesDisputes": null, "activeContractDisputes": null, "activeSubjectDisputes": null, "closedChequesDisputes": null, "closedContractDisputes": null, "closedSubjectDisputes": null, "falseDisputes": 0, "numberOfCourtRegisteredDisputes": null, "closedDisputes": 0, "activeDisputes": 0, "activeInCourtDisputes": 0, "disputeList": [], "summary": null }, "sector": null, "currentBalance": null } ] }, "contractOverview": { "contractList": [ { "artificialEntityCode": null, "artificialEntityRelationsList": null, "branch": null, "phaseOfContract": "Open", "accountStatus": "GrantedAndActivated", "accountProductType": "MobileBankingLoan", "performingIndicator": "Performing", "currencyOfFacility": null, "originalAmount": { "value": 6000, "localValue": 6000, "currency": "KES" }, "installmentAmount": null, "outstandingAmount": null, "overdueBalance": { "value": 0, "localValue": 0, "currency": "KES" }, "worstPastDueAmount": null, "daysInArrears": 0, "worstPastDueDays": null, "installmentsInArrears": null, "dateOfLastPayment": null, "paymentFrequency": null, "dateAccountOpened": "2018-02-08T00:00:00Z", "negativeStatusOfContract": null, "subscriber": null, "subscriberType": null, "roleOfClient": "MainDebtor", "contractCode": null, "internalEntityCode": null, "lastUpdate": null, "relatedSubjectList": null, "collateralList": null, "calendarItemList": null, "disputes": null, "sector": "Others", "currentBalance": { "value": 6900, "localValue": 6900, "currency": "KES" } } ] }, "contractSummary": { "overall": { "maxDueInstallmentsOpenContracts": 0, "maxDueInstallmentsClosedContracts": 0, "worstOverdueBalance": { "value": 0, "localValue": 0, "currency": "KES" }, "worstDaysInArrears": 0 }, "debtor": { "originalAmountSum": { "value": 6000, "localValue": 6000, "currency": "KES" }, "currentBalanceSum": { "value": 6900, "localValue": 6900, "currency": "KES" }, "overdueBalanceSum": { "value": 0, "localValue": 0, "currency": "KES" }, "openContracts": 1, "closedContracts": 0 }, "guarantor": { "openContracts": 0, "closedContracts": 0 }, "affordabilitySummary": { "monthlyAffordability": { "value": 0, "localValue": 0, "currency": "KES" } }, "affordabilityHistoryList": [ { "month": 9, "year": 2023, "date": "2023-09-01T00:00:00Z", "monthlyAffordability": { "value": 0, "localValue": 0, "currency": "KES" } }, { "month": 8, "year": 2023, "date": "2023-08-01T00:00:00Z", "monthlyAffordability": { "value": 0, "localValue": 0, "currency": "KES" } }, { "month": 7, "year": 2023, "date": "2023-07-01T00:00:00Z", "monthlyAffordability": { "value": 0, "localValue": 0, "currency": "KES" } }, { "month": 6, "year": 2023, "date": "2023-06-01T00:00:00Z", "monthlyAffordability": { "value": 0, "localValue": 0, "currency": "KES" } }, { "month": 5, "year": 2023, "date": "2023-05-01T00:00:00Z", "monthlyAffordability": { "value": 0, "localValue": 0, "currency": "KES" } }, { "month": 4, "year": 2023, "date": "2023-04-01T00:00:00Z", "monthlyAffordability": { "value": 0, "localValue": 0, "currency": "KES" } }, { "month": 3, "year": 2023, "date": "2023-03-01T00:00:00Z", "monthlyAffordability": { "value": 0, "localValue": 0, "currency": "KES" } }, { "month": 2, "year": 2023, "date": "2023-02-01T00:00:00Z", "monthlyAffordability": { "value": 0, "localValue": 0, "currency": "KES" } }, { "month": 1, "year": 2023, "date": "2023-01-01T00:00:00Z", "monthlyAffordability": { "value": 0, "localValue": 0, "currency": "KES" } }, { "month": 12, "year": 2022, "date": "2022-12-01T00:00:00Z", "monthlyAffordability": { "value": 0, "localValue": 0, "currency": "KES" } }, { "month": 11, "year": 2022, "date": "2022-11-01T00:00:00Z", "monthlyAffordability": { "value": 0, "localValue": 0, "currency": "KES" } }, { "month": 10, "year": 2022, "date": "2022-10-01T00:00:00Z", "monthlyAffordability": { "value": 0, "localValue": 0, "currency": "KES" } } ], "paymentCalendarList": [ { "date": "2023-09-30T00:00:00Z", "delinquencyStatus": "NotAvailable", "contractsSubmitted": 0 }, { "date": "2023-08-31T00:00:00Z", "delinquencyStatus": "NotAvailable", "contractsSubmitted": 0 }, { "date": "2023-07-31T00:00:00Z", "delinquencyStatus": "NotAvailable", "contractsSubmitted": 0 }, { "date": "2023-06-30T00:00:00Z", "delinquencyStatus": "NotAvailable", "contractsSubmitted": 0 }, { "date": "2023-05-31T00:00:00Z", "delinquencyStatus": "NotAvailable", "contractsSubmitted": 0 }, { "date": "2023-04-30T00:00:00Z", "delinquencyStatus": "NotAvailable", "contractsSubmitted": 0 }, { "date": "2023-03-31T00:00:00Z", "delinquencyStatus": "NotAvailable", "contractsSubmitted": 0 }, { "date": "2023-02-28T00:00:00Z", "delinquencyStatus": "NotAvailable", "contractsSubmitted": 0 }, { "date": "2023-01-31T00:00:00Z", "delinquencyStatus": "NotAvailable", "contractsSubmitted": 0 }, { "date": "2022-12-31T00:00:00Z", "delinquencyStatus": "NotAvailable", "contractsSubmitted": 0 }, { "date": "2022-11-30T00:00:00Z", "delinquencyStatus": "NotAvailable", "contractsSubmitted": 0 }, { "date": "2022-10-31T00:00:00Z", "delinquencyStatus": "NotAvailable", "contractsSubmitted": 0 } ], "sectorInfoList": [ { "debtorOriginalAmountSum": { "value": 6000, "localValue": 6000, "currency": "KES" }, "debtorCurrentBalanceSum": { "value": 6900, "localValue": 6900, "currency": "KES" }, "debtorOverdueBalanceSum": { "value": 0, "localValue": 0, "currency": "KES" }, "debtorOpenContracts": 1, "debtorClosedContracts": 0, "guarantorOpenContracts": 0, "guarantorClosedContracts": 0, "sector": "Others" } ] }, "paymentIncidentList": { "paymentIncidentList": [], "summary": { "dueAmountSummary": { "value": 0, "localValue": 0, "currency": "KES" }, "numberOfActiveDisputesCheques": null, "numberOfActiveDisputesContracts": null, "numberOfActiveDisputesSubjectData": null, "numberOfActiveDisputesInCourt": null, "numberOfClosedDisputesCheques": null, "numberOfClosedDisputesContracts": null, "numberOfClosedDisputesSubjectData": null, "numberOfFalseDisputes": null, "numberOfInquiriesLast1Month": null, "numberOfInquiriesLast3Months": null, "numberOfInquiriesLast6Months": null, "numberOfInquiriesLast12Months": null, "numberOfInquiriesLast24Months": null, "numberOfFraudAlertsPrimarySubject": null, "numberOfFraudAlertsThirdParty": null } }, "disputes": { "activeChequesDisputes": null, "activeContractDisputes": null, "activeSubjectDisputes": null, "closedChequesDisputes": null, "closedContractDisputes": null, "closedSubjectDisputes": null, "falseDisputes": null, "numberOfCourtRegisteredDisputes": null, "closedDisputes": null, "activeDisputes": null, "activeInCourtDisputes": null, "disputeList": [], "summary": { "dueAmountSummary": null, "numberOfActiveDisputesCheques": 0, "numberOfActiveDisputesContracts": 0, "numberOfActiveDisputesSubjectData": 0, "numberOfActiveDisputesInCourt": 0, "numberOfClosedDisputesCheques": 0, "numberOfClosedDisputesContracts": 0, "numberOfClosedDisputesSubjectData": 0, "numberOfFalseDisputes": 0, "numberOfInquiriesLast1Month": null, "numberOfInquiriesLast3Months": null, "numberOfInquiriesLast6Months": null, "numberOfInquiriesLast12Months": null, "numberOfInquiriesLast24Months": null, "numberOfFraudAlertsPrimarySubject": null, "numberOfFraudAlertsThirdParty": null } }, "inquiries": { "inquiriesForLast12Months": null, "subscribersInLast12Months": null, "summary": { "dueAmountSummary": null, "numberOfActiveDisputesCheques": null, "numberOfActiveDisputesContracts": null, "numberOfActiveDisputesSubjectData": null, "numberOfActiveDisputesInCourt": null, "numberOfClosedDisputesCheques": null, "numberOfClosedDisputesContracts": null, "numberOfClosedDisputesSubjectData": null, "numberOfFalseDisputes": null, "numberOfInquiriesLast1Month": 15, "numberOfInquiriesLast3Months": 15, "numberOfInquiriesLast6Months": 15, "numberOfInquiriesLast12Months": 15, "numberOfInquiriesLast24Months": 15, "numberOfFraudAlertsPrimarySubject": null, "numberOfFraudAlertsThirdParty": null }, "inquiryList": [ { "dateOfInquiry": "2023-09-19T01:55:29.983Z", "subscriber": "Peleza International", "sector": "Others", "product": "WS Creditinfo Report Plus", "reason": 1 }, { "dateOfInquiry": "2023-09-18T20:28:20.15Z", "subscriber": "Peleza International", "sector": "Others", "product": "WS Creditinfo Report Plus", "reason": 1 }, { "dateOfInquiry": "2023-09-18T20:22:33.15Z", "subscriber": "Peleza International", "sector": "Others", "product": "WS Creditinfo Report Plus", "reason": 1 }, { "dateOfInquiry": "2023-09-18T20:17:26.967Z", "subscriber": "Peleza International", "sector": "Others", "product": "WS Creditinfo Report Plus", "reason": 1 }, { "dateOfInquiry": "2023-09-18T19:28:49.243Z", "subscriber": "Peleza International", "sector": "Others", "product": "WS Creditinfo Report Plus", "reason": 1 }, { "dateOfInquiry": "2023-09-18T14:50:53.097Z", "subscriber": "Peleza International", "sector": "Others", "product": "WS Creditinfo Report Plus", "reason": 1 }, { "dateOfInquiry": "2023-09-18T12:57:51.473Z", "subscriber": "Peleza International", "sector": "Others", "product": "WS Creditinfo Report Plus", "reason": 1 }, { "dateOfInquiry": "2023-09-18T10:37:42.947Z", "subscriber": "Peleza International", "sector": "Others", "product": "WS Creditinfo Report Plus", "reason": 1 }, { "dateOfInquiry": "2023-09-18T09:41:31.637Z", "subscriber": "Peleza International", "sector": "Others", "product": "WS Creditinfo Report Plus", "reason": 1 }, { "dateOfInquiry": "2023-09-17T11:38:28.023Z", "subscriber": "Peleza International", "sector": "Others", "product": "WS Creditinfo Report Plus", "reason": 1 }, { "dateOfInquiry": "2023-09-11T12:00:46.51Z", "subscriber": "Peleza International", "sector": "Others", "product": "WS Creditinfo Report Plus", "reason": 1 }, { "dateOfInquiry": "2023-09-04T21:39:47.903Z", "subscriber": "Peleza International", "sector": "Others", "product": "WS Creditinfo Report Plus", "reason": 1 }, { "dateOfInquiry": "2023-08-30T07:11:39.223Z", "subscriber": "Peleza International", "sector": "Others", "product": "WS Creditinfo Report Plus", "reason": 1 }, { "dateOfInquiry": "2023-08-29T15:58:35.41Z", "subscriber": "Peleza International", "sector": "Others", "product": "WS Creditinfo Report Plus", "reason": 1 }, { "dateOfInquiry": "2023-08-23T20:24:52.583Z", "subscriber": "Peleza International", "sector": "Others", "product": "WS Creditinfo Report Plus", "reason": 1 } ] }, "ciq": { "fraudAlerts": null, "fraudAlertsThirdParty": null, "summary": { "dueAmountSummary": null, "numberOfActiveDisputesCheques": null, "numberOfActiveDisputesContracts": null, "numberOfActiveDisputesSubjectData": null, "numberOfActiveDisputesInCourt": null, "numberOfClosedDisputesCheques": null, "numberOfClosedDisputesContracts": null, "numberOfClosedDisputesSubjectData": null, "numberOfFalseDisputes": null, "numberOfInquiriesLast1Month": null, "numberOfInquiriesLast3Months": null, "numberOfInquiriesLast6Months": null, "numberOfInquiriesLast12Months": null, "numberOfInquiriesLast24Months": null, "numberOfFraudAlertsPrimarySubject": 0, "numberOfFraudAlertsThirdParty": 0 }, "detail": { "lostStolenRecordsFound": 0, "numberOfCancelledClosedContracts": 0 } }, "bouncedCheques": { "numberOfCheques": null, "chequeList": [] }, "currentRelations": { "relatedPartyList": [], "involvementList": [], "contractRelationList": [] }, "reportInfo": { "created": "2023-09-18T23:11:01.3129233Z", "referenceNumber": "10267660-38839977", "requestedBy": "Marita Mwende Mutemi", "subscriber": "Peleza International", "version": 553, "reportStatus": "ReportGenerated", "reportReferenceNumber": "833B-B380-81E4-4283" }, "subjectInfoHistoryFlatList": [], "parameters": { "inquiryReason": "ApplicationForCreditOrAmendmentOfCreditTerms", "consent": true, "searchIdNumberType": "NationalID", "searchIdNumber": "12345678", "idNumberType": "NationalID", "idNumber": "12345678", "subjectType": "Individual", "sectionsList": [ "CreditinfoReportPlus" ], "reportDate": "2023-09-18T23:11:01.2191926Z", "subjectToken": "91yX6gM6YCsfTws0WRVuJZmO1tAAOk7SqtUvREOmG2A1lalIlQ0" }, "coremetrix": {} } }