Philippines Credit Bureau Check

Overview
The Philippines Credit Bureau Verification API enables real-time verification of personal and identity information against credit bureau data. This API assists financial institutions in ensuring the accuracy of customer data against official credit records in the Philippines, enhancing credit risk analysis and fraud prevention measures.
Usecase
This API is essential for financial institutions, credit providers, and any entity involved in credit disbursement or financial assessments in the Philippines. It helps in:
Enhancing credit decision processes: By verifying personal details against credit bureau records.
Minimizing fraud: By ensuring the information provided by customers matches that held by the credit bureaus.
Compliance adherence: Assisting in adherence to local financial regulations and anti-money laundering (AML) standards.
API Details
Request Body
PreProduction
Production
curl --location 'https://api-preproduction.sig.app/api/v3/global-kyc/verify/ph/credit-bureau' \
--header 'Authorization: <----Auth Token---->' \
--header 'Content-Type: application/json' \
--data-raw '{
    "firstName": "Lanie",
    "lastName": "Avida",
    "middleName": "G",
    "dateOfBirth": "1960-09-25",
    "addressLine1": "Cebu Region 7",
    "addressLine2": "Tangil",
    "addressLine3": "Dumanjug",
    "addressLine4": "Cebu",
    "addressLine5": "6035",
    "identityInformation": {
        "nationalIdNumber": "1023456789",
        "nationalIdType": "SSS"
    },
    "consent": true
}'
curl --location 'https://api-preproduction.sig.app/api/v3/global-kyc/verify/ph/credit-bureau' \
--header 'Authorization: <----Auth Token---->' \
--header 'Content-Type: application/json' \
--data-raw '{
    "firstName": "Lanie",
    "lastName": "Avida",
    "middleName": "G",
    "dateOfBirth": "1960-09-25",
    "addressLine1": "Cebu Region 7",
    "addressLine2": "Tangil",
    "addressLine3": "Dumanjug",
    "addressLine4": "Cebu",
    "addressLine5": "6035",
    "identityInformation": {
        "nationalIdNumber": "1023456789",
        "nationalIdType": "SSS"
    },
    "consent": true
}'
﻿
Request Body Parameters
Parameter
Type
Description
Mandatory/Optional
firstName
String
First name of the individual
Yes
lastName
String
Last name of the individual
Yes
middleName
String
Middle name of the individual
No
dateOfBirth
Date
Date of birth (format: YYYY-MM-DD)
Yes
addressLine1 to 5
String
Components of the residential address
No
identityInformation
Object
Container for identity details
Yes
nationalIdNumber
String
National identification number
Yes
nationalIdType
String
Type of national ID (SSS, TIN, GSIS)
Optional (Mandatory if NID is not blank)
consent
Boolean
Consent from the individual to perform verification
Yes
JSON
{
    "result": {
        "verificationResult": {
            "firstName": true,
            "middleName": true,
            "lastName": true,
            "dateOfBirth": true,
            "addressLine1": true,
            "addressLine2": true,
            "addressLine3": true,
            "addressLine4": true,
            "addressLine5": true,
            "nationalIdNumber": true,
            "nameMatchScore": "1.000",
            "addressMatchScore": "1.000"
        },
        "verificationStatus": "Verified",
        "reason": "All provided details match credit bureau records."
    }
}
{
    "result": {
        "verificationResult": {
            "firstName": true,
            "middleName": true,
            "lastName": true,
            "dateOfBirth": true,
            "addressLine1": true,
            "addressLine2": true,
            "addressLine3": true,
            "addressLine4": true,
            "addressLine5": true,
            "nationalIdNumber": true,
            "nameMatchScore": "1.000",
            "addressMatchScore": "1.000"
        },
        "verificationStatus": "Verified",
        "reason": "All provided details match credit bureau records."
    }
}
﻿
Response Body Parameters
Parameter
Type
Description
verificationResult
Object
Detailed results of the individual data fields verified against the credit bureau data.
firstName
Boolean
Result of the first name verification; true if it matches the credit bureau records, false otherwise.
middleName
Boolean
Result of the middle name verification; true if it matches, false otherwise.
lastName
Boolean
Result of the last name verification; true if it matches, false otherwise.
dateOfBirth
Boolean
Result of the date of birth verification; true if it matches, false otherwise.
addressLine1
Boolean
Verification result for the first line of the address; true if it matches, false otherwise.
addressLine2
Boolean
Verification result for the second line of the address; true if it matches, false otherwise.
addressLine3
Boolean
Verification result for the third line of the address; true if it matches, false otherwise.
addressLine4
Boolean
Verification result for the fourth line of the address; true if it matches, false otherwise.
addressLine5
Boolean
Verification result for the fifth line of the address; true if it matches, false otherwise.
nationalIdNumber
Boolean
Result of the national ID number verification; true if it matches the credit bureau data, false otherwise.
nameMatchScore
String
Numerical score representing the match quality of the name with the credit bureau records.
addressMatchScore
String
Numerical score representing the match quality of the address with the credit bureau records.
verificationStatus
String
Overall status of the verification, typically "Verified" or "Not Verified".
reason
String
Description of why certain fields did not verify, listing all fields that were not verified.
Error Code and Response Mapping
400 (Bad Request)
401(Unauthorized)
403 (Forbidden)
500 (Internal Server Error)
409(Upstream Down
{
  "error": {
     "name": "error",
     "message": "Internal server error",
     "status": 500,
     "reason": "ERROR",
     "type": "Bad Request",
     "statusCode": 500
  }
}
{
  "error": {
     "name": "error",
     "message": "Internal server error",
     "status": 500,
     "reason": "ERROR",
     "type": "Bad Request",
     "statusCode": 500
  }
}
﻿
Field
Type
Description
name
string
Text displayed on the screen explaining error type.
reason
string
Reason for the error.
status
number
HTTP status code.
message
string
Error message indicating an upstream error.
type
string
Error type.
statusCode
number
Status code representing the error scenario.
Getting help
Please feel free to contact us if you have any questions, require clarification, or have ideas for how to make the documents or any of our services better.
You can reach out to us at [email protected]. We strive to provide prompt and reliable assistance, ensuring your queries are addressed effectively.
We value your feedback and are committed to making your experience smooth and enjoyable. Our team is dedicated to assisting you with any needs you may have. Thank you for choosing our services. We look forward to helping you!
﻿

Parameter	Type	Description	Mandatory/Optional
firstName	String	First name of the individual	Yes
lastName	String	Last name of the individual	Yes
middleName	String	Middle name of the individual	No
dateOfBirth	Date	Date of birth (format: YYYY-MM-DD)	Yes
addressLine1 to 5	String	Components of the residential address	No
identityInformation	Object	Container for identity details	Yes
nationalIdNumber	String	National identification number	Yes
nationalIdType	String	Type of national ID (SSS, TIN, GSIS)	Optional (Mandatory if NID is not blank)
consent	Boolean	Consent from the individual to perform verification	Yes

Parameter	Type	Description
verificationResult	Object	Detailed results of the individual data fields verified against the credit bureau data.
firstName	Boolean	Result of the first name verification; true if it matches the credit bureau records, false otherwise.
middleName	Boolean	Result of the middle name verification; true if it matches, false otherwise.
lastName	Boolean	Result of the last name verification; true if it matches, false otherwise.
dateOfBirth	Boolean	Result of the date of birth verification; true if it matches, false otherwise.
addressLine1	Boolean	Verification result for the first line of the address; true if it matches, false otherwise.
addressLine2	Boolean	Verification result for the second line of the address; true if it matches, false otherwise.
addressLine3	Boolean	Verification result for the third line of the address; true if it matches, false otherwise.
addressLine4	Boolean	Verification result for the fourth line of the address; true if it matches, false otherwise.
addressLine5	Boolean	Verification result for the fifth line of the address; true if it matches, false otherwise.
nationalIdNumber	Boolean	Result of the national ID number verification; true if it matches the credit bureau data, false otherwise.
nameMatchScore	String	Numerical score representing the match quality of the name with the credit bureau records.
addressMatchScore	String	Numerical score representing the match quality of the address with the credit bureau records.
verificationStatus	String	Overall status of the verification, typically "Verified" or "Not Verified".
reason	String	Description of why certain fields did not verify, listing all fields that were not verified.

Field	Type	Description
name	string	Text displayed on the screen explaining error type.
reason	string	Reason for the error.
status	number	HTTP status code.
message	string	Error message indicating an upstream error.
type	string	Error type.
statusCode	number	Status code representing the error scenario.

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