Periculum
{
"key": 1,
"statementKey": 1,
"bvn": "12345******",
"dateOfBirth": "15/03/1993",
"gender": "Male",
"businessId": "62f1xxxx12323",
"fullName": "Michael Johnson",
"phone": "00000000",
"address": "ABC HOUSE,025 NG LAGOS NIGERIA ",
"email": "",
"data": [
{
"totalNoOfLoans": 17,
"totalNoOfInstitutions": 4,
"totalBorrowed": "1572767",
"totalOutstanding": "211927",
"totalOverdue": "null",
"totalNoOfPerformingLoans": 17,
"totalNoOfClosedLoans": 13,
"totalNoOfActiveLoans": 4,
"highestLoanAmount": 230000,
"totalMonthlyInstallment": "26482",
"creditEnquiries": [
{
"date": "2021-09-28T00:00:00"
},
{
"date": "2021-09-27T00:00:00"
},
{
"date": "2020-02-10T00:00:00"
}
],
"loanPerformance": [
{
"loanProvider": "Ecobank Nigeria Plc",
"loanAmount": "0",
"status": "Open",
"outstandingBalance": "2066",
"overdueAmount": "0",
"performanceStatus": "Performing",
"accountNumber": "2583060436",
"type": "Overdraft",
"lastUpdatedAt": "2023-07-17T18:05:50.32"
},
{
"loanProvider": "Loanbook Limited",
"loanAmount": "70000",
"status": "Open",
"outstandingBalance": "101500",
"overdueAmount": "0",
"performanceStatus": "Performing",
"accountNumber": "LN0107219",
"type": "Term Loan",
"lastUpdatedAt": "2023-06-08T15:52:29.31"
},
{
"loanProvider": "Guaranty Trust Bank Plc",
"loanAmount": "0",
"status": "Open",
"outstandingBalance": "0",
"overdueAmount": "0",
"performanceStatus": "Performing",
"accountNumber": "030104183100010059000",
"type": "Overdraft",
"lastUpdatedAt": "2022-06-10T06:59:49.877"
}
],
"loanHistory": [
{
"loanProvider": "Ecobank Nigeria Plc",
"accountNumber": "2583060436",
"type": "Overdraft",
"loanAmount": "0",
"installmentAmount": "0",
"overdueAmount": "0",
"lastPaymentDate": "2023-06-27T00:00:00",
"loanDuration": "2",
"dateReported": "2016-11-24T08:06:20.59",
"performanceStatus": "Performing",
"status": "Open",
"outstandingBalance": "2066"
},
{
"loanProvider": "Loanbook Limited",
"accountNumber": "LN0107219",
"type": "Term Loan",
"loanAmount": "70000",
"installmentAmount": "8458",
"overdueAmount": "0",
"loanDuration": "12",
"dateReported": "2023-05-30T15:38:47.193",
"performanceStatus": "Performing",
"status": "Open",
"outstandingBalance": "101500"
},
{
"loanProvider": "Guaranty Trust Bank Plc",
"accountNumber": "030104183100010059000",
"type": "Overdraft",
"loanAmount": "0",
"installmentAmount": "10000",
"overdueAmount": "0",
"lastPaymentDate": "2022-05-29T00:00:00",
"loanDuration": "1",
"dateReported": "2022-05-10T21:44:48.85",
"performanceStatus": "Performing",
"status": "Open",
"outstandingBalance": "0"
}
],
"totalNoOfOverdueAccounts": "null",
"sourceType": "CRC"
},
{
"totalNoOfDelinquentFacilities": 0,
"totalNoOfLoans": 22,
"totalNoOfInstitutions": 4,
"totalBorrowed": "1659875",
"totalOutstanding": "341427",
"totalOverdue": "0",
"totalNoOfPerformingLoans": 22,
"totalNoOfClosedLoans": 17,
"totalNoOfActiveLoans": 5,
"highestLoanAmount": 219000,
"totalMonthlyInstallment": "180274",
"creditEnquiries": [
{
"date": "22/07/2023 18:48:27",
"loanProvider": "CREDITCHECK AFRICA - CHEKCREDITAPI"
}
],
"loanPerformance": [
{
"loanProvider": "Guaranty Trust Bank Plc",
"loanAmount": "0",
"status": "Closed",
"outstandingBalance": "0",
"overdueAmount": "0",
"performanceStatus": "Performing",
"noOfPerforming": "1",
"noOfNonPerforming": "0"
},
{
"loanProvider": "Credit Direct Ltd Lagos",
"loanAmount": "1051000",
"status": "Open",
"outstandingBalance": "129500",
"overdueAmount": "129500",
"performanceStatus": "Performing",
"noOfPerforming": "13",
"noOfNonPerforming": "0"
},
{
"loanProvider": "LoanBook Limited",
"loanAmount": "189875",
"status": "Open",
"outstandingBalance": "101500",
"overdueAmount": "101500",
"performanceStatus": "Performing",
"noOfPerforming": "3",
"noOfNonPerforming": "0"
}
],
"loanHistory": [
{
"loanProvider": "LoanBook Limited",
"accountNumber": "LN0107219",
"type": "Personal fixed term loan",
"loanAmount": "67,375.00",
"installmentAmount": "8,458.33",
"loanDuration": "12 Day(s)",
"dateReported": "19/05/2023",
"performanceStatus": "Performing",
"outstandingBalance": "101,500.00"
},
{
"loanProvider": "LoanBook Limited",
"accountNumber": "LN210941819",
"type": "Personal fixed term loan",
"loanAmount": "78,400.00",
"installmentAmount": "9,666.67",
"lastPaymentDate": "19/08/2022",
"loanDuration": "12 Day(s)",
"dateReported": "23/09/2021",
"performanceStatus": "Performing",
"outstandingBalance": "0.00"
},
{
"loanProvider": "LoanBook Limited",
"accountNumber": "LN220875652",
"type": "Personal fixed term loan",
"loanAmount": "44,100.00",
"installmentAmount": "5,437.50",
"lastPaymentDate": "16/05/2023",
"loanDuration": "12 Day(s)",
"dateReported": "22/08/2022",
"performanceStatus": "Performing",
"outstandingBalance": "0.00"
}
],
"totalNoOfOverdueAccounts": "0",
"sourceType": "FIRST_CENTRAL"
}
]
}
Response Parameters
| Name | Description | Type |
|---|---|---|
| statementKey | The key of the statement to get the credit bureau data for. | int |
| bvn | string | |
| dateOfBirth | string | |
| gender | string | |
| businessId | string | |
| fullName | string | |
| phone | string | |
| string | ||
| data[i].totalNoOfDelinquentFacilities | int | |
| data[i].totalNoOfLoans | int | |
| data[i].totalNoOfInstitutions | int | |
| data[i].totalBorrowed | string | |
| data[i].totalOutstanding | string | |
| data[i].totalOverdue | string | |
| data[i].totalNoOfPerformingLoans | int | |
| data[i].totalNoOfClosedLoans | int | |
| data[i].totalNoOfActiveLoans | int | |
| data[i].highestLoanAmount | double | |
| data[i].totalMonthlyInstallment | string | |
| data[i].creditEnquiries[x].date | string | |
| data[i].creditEnquiries[x].loanProvider | string | |
| data[i].loanPerformance[x].loanAmount | string | |
| data[i].loanPerformance[x].status | string | |
| data[i].loanPerformance[x].loanProvider | string | |
| data[i].loanPerformance[x].outstandingBalance | string | |
| data[i].loanPerformance[x].overdueAmount | string | |
| data[i].loanPerformance[x].performanceStatus | string | |
| data[i].loanPerformance[x].noOfPerforming | string | |
| data[i].loanPerformance[x].noOfNonPerforming | string | |
| data[i].loanHistory[x].loanProvider | string | |
| data[i].loanHistory[x].accountNumber | string | |
| data[i].loanHistory[x].Type | string | |
| data[i].loanHistory[x].loanAmount | string | |
| data[i].loanHistory[x].installmentAmount | string | |
| data[i].loanHistory[x].loanDuration | string | |
| data[i].loanHistory[x].dateReported | string | |
| data[i].loanHistory[x].performanceStatus | string | |
| data[i].loanHistory[x].outstandingBalance | string |