Experian Credit Bureau_S
POST
https://api.staging.indiconnect.in/idverifygr/verification
Last modified:2026-04-06 06:27:09
By using key identifiers such as mobile number, PAN, name, date of birth, and pincode, this API retrieves comprehensive
credit information to assess an individual’s creditworthiness.
loan processing, customer onboarding, risk assessment, and compliance verification. It ensures reliable and accurate credit
data directly sourced from Experian.
credit score, credit profile, account history, enquiry details, and comprehensive credit report data.
Request Headers
| Header | Description |
|---|---|
myAppId | Application identifier used for service authentication |
service-key | Unique service key provided for accessing the verification service |
Authorization | API authorization credentials for secure access |
Content-Type | Specifies the request payload format (application/json) |
Request Parameters
| Parameter | Type | Description |
|---|---|---|
mobile | String | Registered mobile number of the individual |
panNumber | String | Permanent Account Number (PAN) of the individual |
firstName | String | First name of the individual |
lastName | String | Last name of the individual |
dob | String | Date of birth (YYYY-MM-DD) |
pincode | String | Residential pincode of the individual |
consent.consentFlag | Boolean | Indicates user consent for fetching credit data |
consent.consentTimestamp | String | Timestamp when consent was captured |
consent.consentIpAddress | String | IP address from where consent was provided |
consent.consentMessageId | String | Unique consent message identifier |
documentType | String | Specifies the verification type (Experian Credit Bureau_S) |
Response Fields
| Field | Description |
|---|---|
status | Status of the API response |
ok | Indicates whether the request was successful (true / false) |
message | Status message describing the result |
result.Header | Metadata about the report (system code, report date, time) |
result.UserMessage | User-level message about the response |
result.CreditProfileHeader | Credit report metadata such as version and report number |
result.Match_result.Exact_match | Indicates whether the input details exactly matched bureau records |
result.SCORE.FCIREXScore | Credit score of the individual |
result.SCORE.FCIREXScoreConfidLevel | Confidence level of the credit score |
result.CAIS_Account.CAIS_Summary | Summary of credit accounts and balances |
result.CAIS_Account.CAIS_Account_DETAILS | Detailed credit account information including loans, balances, and status |
result.CAPS | Credit application history (loan enquiries) |
result.NonCreditCAPS | Non-credit related enquiry details |
result.Current_Application | Details of the current credit application |
result.excelExperianReport | Encoded Excel report of the credit data |
error.decryptedError | Detailed error information if the request fails |
Use Cases
- Loan eligibility and creditworthiness assessment
- Customer onboarding for financial services
- Risk profiling and underwriting
- Regulatory and compliance checks
Key Benefits
- Access to detailed Experian credit reports
- Accurate credit score and account insights
- Supports informed lending decisions
- Secure and consent-based data access
- Easy integration with financial platforms
Request
Header Params
Body Params application/jsonRequired
No need to define the Body
Responses
No need to define the Response
Request Request Example
Shell
JavaScript
Java
Swift
curl --location --request POST 'https://api.staging.indiconnect.in/idverifygr/verification' \
--header 'myAppId: verification_v5_app' \
--header 'service-key: sk_test_a9944179bc598f06' \
--header 'Authorization: x-api-access indc_test_a41eaf2a175f3b13:ac_test_bf7117f6da6c6285' \
--header 'Content-Type: application/json' \
--data-raw '{"query":"mutation {\r\n verify(\r\n input: {\r\n documentType:\"Experian Credit Bureau_S\"\r\n mobile: \"9890183118\"\r\n panNumber:\"FBTPP0353Q\"\r\n firstName: \"Tushar\"\r\n lastName: \"Patil\"\r\n dob: \"1996-12-09\"\r\n pincode: \"425508\"\r\n consent: {\r\n consentFlag: true\r\n consentTimestamp: 1707685055\r\n consentIpAddress: \"127.0.0.1\"\r\n consentMessageId:\"CM_1\"\r\n }\r\n }\r\n ) {\r\n status\r\n ok\r\n message\r\n result {\r\n __typename\r\n\r\n ... on ExperianCreditReportResult {\r\n\r\n Header {\r\n SystemCode\r\n MessageText\r\n ReportDate\r\n ReportTime\r\n }\r\n\r\n UserMessage {\r\n UserMessageText\r\n }\r\n\r\n CreditProfileHeader {\r\n ReportDate\r\n ReportTime\r\n Version\r\n ReportNumber\r\n }\r\n\r\n Match_result {\r\n Exact_match\r\n }\r\n\r\n TotalCAPS_Summary {\r\n TotalCAPSLast7Days\r\n TotalCAPSLast30Days\r\n TotalCAPSLast90Days\r\n TotalCAPSLast180Days\r\n }\r\n\r\n SCORE {\r\n FCIREXScore\r\n FCIREXScoreConfidLevel\r\n }\r\n\r\n CAIS_Account {\r\n CAIS_Summary\r\n CAIS_Account_DETAILS\r\n }\r\n\r\n CAPS {\r\n CAPS_Summary\r\n CAPS_Application_Details\r\n }\r\n\r\n NonCreditCAPS {\r\n NonCreditCAPS_Summary\r\n CAPS_Application_Details\r\n }\r\n\r\n Current_Application {\r\n Current_Application_Details\r\n }\r\n\r\n excelExperianReport\r\n }\r\n }\r\n error {\r\n decryptedError\r\n }\r\n }\r\n}","variables":{}}'Modified at 2026-04-06 06:27:09