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Banking & Credit

Credit Report API

Fetch an individual's credit score and full bureau report using PAN, name and registered mobile, with the person's explicit consent. Underwrite loans, screen candidates for roles with financial access and assess partners in one API call.

Response: Real-time
Inputs: 3 required
Consent: Recorded per request
Billing: Per successful call

Get API access API reference

POST /v1/credit-report

Sandbox · Production

Your application sends
- PAN number*
- Full name*
- Registered mobile*
Profiden API

Validates the request, queries the source, normalises the answer and logs the call. Billed only on success.
Verified with

Consumer credit bureau
You receive
- Credit score
- Registered name
- Full credit report (secure link)

credit-report Full reference

What the Credit Report API does

A credit report is the most complete picture of an individual's financial behaviour: active loans, repayment history, enquiries and defaults. The Credit Report API returns the score and a link to the full report, so lenders can underwrite and employers can assess financial exposure for sensitive roles without collecting documents.

Consent is mandatory and is captured in the flow. Profiden stores the consent record with the request and includes it in the case audit trail.

Consent is part of the contract

Explicit, informed consent from the individual is required before a credit report is pulled. The consent statement and timestamp are stored with every request.

Where it is used

Banks & NBFCs Fintech Real Estate Insurance

Good to know

Same key and response envelope as every other Profiden API.
Synchronous call: the result comes back in the same request.
Also available as a check inside Profiden cases, with a PDF report.
Sandbox demo hits let you integrate before production billing.

Benefits of the Credit Report API

Consent-based credit score and report for lending and financial-role screening.

Score plus full report

Get the headline number and the detail behind it in one call.

Consent-first

Built-in consent capture keeps you compliant with bureau and DPDP obligations.

Real-time

Underwriting decisions in seconds, not days.

Report-ready

The report attaches to the Profiden case and PDF so reviewers see it in context.

Use cases

Credit Report API use cases

Where the Credit Report API is typically called, and what it settles there.

Loan and credit-card underwriting

Bureau data at the point of decision.

Financial-role screening

Assess candidates handling cash, treasury or customer funds.

Tenant screening

Landlords and platforms evaluate payment reliability.

Partner and franchisee assessment

Understand the financial standing of individuals behind a business.

How the Credit Report API works

Request and response details, environments and a ready-to-import collection are in the developer console at console.profiden.com.

Authenticate

Call with your organisation API key. Sandbox and production use the same contract.

Send the inputs

PAN number, Full name, Registered mobile as a JSON body. Optional fields sharpen the match.

We verify at source

Profiden queries the authoritative record, normalises the answer and logs the request.

Act on the result

A verification status plus the fields listed above, in the same response envelope as every other API.

Open the Credit Report reference

Credit Report API: frequently asked questions

What teams ask before adding the Credit Report API to their integration.

The person must consent before the pull. Profiden can collect that consent through the candidate portal or you can capture it in your own flow and pass the record with the request.

Consent-based pulls of this kind are treated as soft enquiries by bureaus and do not affect the score the way a lender's hard enquiry does.

Yes, with consent and a legitimate purpose such as roles with financial responsibility. Profiden's workflows let you restrict the check to designated roles.