Equifax Lite
The Equifax Lite Bureau Report API enables patrons to retrieve enhanced credit information from Equifax for a given individual using specified parameters such as phone number, PAN (Permanent Account Number), first name, and last name. This API is tailored to deliver enhanced credit reports from Equifax, facilitating the assessment of an individual's creditworthiness.
- Credit Information Retrieval: Patrons can access detailed credit reports from Equifax using two methods
- Method 1: Phone number + Name + PAN (optional)
- Method 2: Phone number + Name + PAN + DOB + Address + Pincode
- Assessment of Creditworthiness: The API assists in evaluating an individual's creditworthiness by providing detailed credit reports from Equifax.
In summary, the Equifax Bureau Report API offers a convenient solution for fetching credit information from Equifax, aiding in the assessment of individuals' creditworthiness.
Parameter | Type | Mandatory/Optional | Description |
phoneNumber | Number | Mandatory | The phone number of the individual for whom the Equifax report is requested. |
pan | String | Optional | The PAN (Permanent Account Number) of the individual. |
name | String | Mandatory | The name of the individual. |
dateOfBirth | String | Optional | Date of Birth of the user yyyy-mm-dd |
address | String | Optional | Address of the user |
state | String | Optional | State of the user |
pincode | String | Optional | pincode of the user |
Value | Description | Pincode Range (First 3 Numbers) |
AN | Andaman & Nicobar Islands | 744 |
AP | Andhra Pradesh | 500 - 535 |
AR | Arunachal Pradesh | 790 - 792 |
AS | Assam | 781 - 788 |
BR | Bihar | 800 - 855 |
CG | Chhattisgarh | 490 - 497 |
CH | Chandigarh | 160 |
DD | Daman & Diu | 362, 396 |
DL | Delhi | 110 |
DN | Dadra & Nagar Haveli | 396 |
GA | Goa | 403 |
GJ | Gujarat | 360 - 396 |
HP | Himachal Pradesh | 171 - 177 |
HR | Haryana | 121 - 136 |
JH | Jharkhand | 813 - 835 |
JK | Jammu & Kashmir | 180 - 194 |
KA | Karnataka | 560 - 591 |
KL | Kerala | 670 - 695 |
LD | Lakshadweep | 682 |
MH | Maharashtra | 400 - 445 |
ML | Meghalaya | 793 - 794 |
MN | Manipur | 795 |
MP | Madhya Pradesh | 450 - 488 |
MZ | Mizoram | 796 |
NL | Nagaland | 797 - 798 |
OR | Odisha | 751 - 770 |
PB | Punjab | 140 - 160 |
PY | Pondicherry/Puducherry | 533, 605, 607, 609 |
RJ | Rajasthan | 301 - 345 |
SK | Sikkim | 737 |
TG | Telangana | 500 - 509 |
TN | Tamil Nadu | 600 - 643 |
TR | Tripura | 799 |
UL | Uttarakhand | 244 - 263 |
UP | Uttar Pradesh | 201 - 285 |
WB | West Bengal | 700 - 743 |
Parameter | Data Type | Description |
statusCode | Integer | Represents the status code of the response. |
message | String | Describe the response's status, and whether it was successful or encountered an error. |
data | Object | Contains the main data of the response. |
data[equifaxReport] | Object | Contains detailed information from the Equifax report. |
data[equifaxReport][IDAndContactInfo] | Object | Contains personal and contact information. |
data[equifaxReport][RetailAccountDetails] | Array | Contains details about retail accounts. |
data[equifaxReport][RetailAccountsSummary] | Object | Provides a summary of retail accounts. |
data[equifaxReport][ScoreDetails] | Array | Contains information about the individual's credit score. |
data[equifaxReport][Enquiries] | Array | Lists of inquiries were made regarding the individual's credit report. |
data[equifaxReport][EnquirySummary] | Object | Summarizes inquiries made, including purpose and total inquiries. |
data[equifaxReport][OtherKeyInd] | Object | Includes key indicators like age of oldest trade, number of open trades, etc. |
data[equifaxReport][RecentActivities] | Object | Summarizes recent activities related to the individual's accounts. |
data[equifaxReport][statusCode] | integer | Represents the status code specific to the Equifax report data. |
derivedFields | Object | |
derivedFields.lastPaymentDate | String | Most recent value in the key LastPaymentDate among all objects in equifaxReport.retailAccountDetails |
derivedFields.listOfInstitutions | Array | List of unique “Institutions” from all objects in equifaxReport.retailAccountDetails |
derivedFields.listOfInstitutions[n].institutionName | String | Name of the institution |
derivedFields.listOfInstitutions[n].noOfTotalAccounts | String | Count where Institution = nameOfInstitution accountStatus = “Current Account” in equifaxReport.retailAccountDetails |
derivedFields.listOfInstitutions[n].noOfOpenAccounts | String | Count where Institution = nameOfInstitution in equifaxReport.retailAccountDetails |
derivedFields.listOfInstitutions[n].longestDurationOfClosedAccounts | String | Longest no. of days between dateClosed - dateOpened Where Institution = nameOfInstitution accountStatus = “Closed Account” in equifaxReport.retailAccountDetails |
CODE | MESSAGE |
200 | Request successful |
400 | Validation Error |
409 | Upstream is down |
500 | Server Side Error |
404 | Record Not Found / Please enter more details |