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",
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