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Request access
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.
Your application sends
emver 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
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. emver 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.
Consent-based credit score and report for lending and financial-role screening.
Get the headline number and the detail behind it in one call.
Built-in consent capture keeps you compliant with bureau obligations.
Underwriting decisions in seconds, not days.
The report is returned as structured JSON with an optional PDF, ready for your reviewers.
Where the Credit Report API is typically called, and what it settles there.
Bureau data at the point of decision.
Assess candidates handling cash, treasury or customer funds.
Landlords and platforms evaluate payment reliability.
Understand the financial standing of individuals behind a business.
Request and response details, environments and a ready-to-import collection are in the developer console.
Call with your organisation API key. Sandbox and production use the same contract.
PAN number, Full name, Registered mobile as a JSON body. Optional fields sharpen the match.
emver queries the authoritative record, normalises the answer and logs the request.
A verification status plus the fields listed above, in the same response envelope as every other API.
Privacy and security built in
Consent recorded · Payloads not retained beyond your retention window · Every request traceable
FAQ
What teams ask before adding the Credit Report API to their integration.
The person must consent before the pull. emver can host the consent screen for you, or you can capture consent 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. emver's workflows let you restrict the check to designated roles.
Usually called with the Credit Report API, on the same key.
Identity & KYC
Validate a PAN, match the name and confirm it is active with the tax department.
Banking & Credit
Confirm an account exists and belongs to the person or business you are paying.
Workforce & Assets
Retrieve a candidate's employment history from provident fund records using their UAN.
Tell us which APIs and what monthly volume. We set up your organisation, approve the APIs with demo hits and share per-call pricing.