Credit report (Experian)

post

https://prod.idto.ai/verify/credit_analysis

Fetches the credit report for a mobile number after explicit user consent (OTP verified on client). Provide device metadata. device_id should be supplied only if device_type is mobile.

Recent Requests

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Body Params

mobile_no

string

required

^[6-9][0-9]{9}$

10-digit mobile number whose credit report will be fetched.

consent_message

string

required

(?=.[Ii])(?=.(?:authorize|Authorize))(?=.(?:Experian|experian))(?=.(?:Credit|credit))(?=.*(?:Report|report))

User consent text. Must contain authorisation language referencing Experian and credit report.

consent_acceptance

string

enum

required

User acceptance of consent (yes/no).

Allowed:

device_type

string

enum

required

Device type. Allowed values: web, mobile.

Allowed:

otp

string

required

length ≤ 6

^[0-9]{1,6}$

OTP the user used to accept consent. Client must verify OTP and include it in this payload.

timestamp

string

required

^[0-3][0-9][0-1][0-9]\d{4}-[0-2][0-9]:[0-5][0-9]:[0-5][0-9]$

Timestamp in format DDMMYYYY-HH:MM:SS (example: 09122023-05:45:20).

device_ip

string

required

IP address of the device submitting the request.

device_id

string | null

Device IMEI (pass only if device_type is mobile).

Responses

Language

Credentials

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Response

Click Try It! to start a request and see the response here! Or choose an example:

application/json

200Credit report returned

400Invalid input or missing consent