---
title: "Credit report (Experian)"
method: POST
path: "/verify/credit_analysis"
tags: ["Credit"]
---

# Credit report (Experian)

`POST /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.

## Request body

- CreditAnalysisRequest
  - `mobile_no` string, required — 10-digit mobile number whose credit report will be fetched.
  - `consent_message` string, required — User consent text. Must contain authorisation language referencing Experian and credit report.
  - `consent_acceptance` 'yes' | 'no', required — User acceptance of consent (yes/no).
  - `device_type` 'web' | 'mobile', required — Device type. Allowed values: web, mobile.
  - `otp` string, required — OTP the user used to accept consent. Client must verify OTP and include it in this payload.
  - `timestamp` string, required — Timestamp in format DDMMYYYY-HH:MM:SS (example: 09122023-05:45:20).
  - `device_ip` string, ipv4, required — IP address of the device submitting the request.
  - `device_id` string, nullable — Device IMEI (pass only if device_type is mobile).

## Response `200`

Credit report returned

- CreditAnalysisResponse
  - `status` string, required — success or failure
  - `result` object, required — Provider response wrapper
    - `result_json` object — Raw provider JSON (Experian) containing INProfileResponse and related credit data
      - `Account_Type` object — Experian account type code lookup table.
  - `chargeble` string — Indicates if the call is chargeable (true/false as string).
  - `user_consent` string — Indicates if user consent was present (true/false as string).

## Other responses

- `400` — Invalid input or missing consent

---

[API](https://skmtc.dev/idto/apis/verification-api.md) · [All operations](https://skmtc.dev/idto/apis/verification-api/llms.txt) · [OpenAPI document](https://skmtc-service-production.skmtc.workers.dev/v1/apis/idto/verification-api/revisions/e3d57dab8db4/schema)