---
title: "Fetch credit report"
method: POST
path: "/verify/credit_report"
tags: ["Credit Report"]
---

# Fetch credit report

`POST /verify/credit_report`

Fetches a credit report using name, mobile, and PAN. The merchant response contains only status, message, and result. Requires X-Client-ID and X-API-KEY headers.

## Request body

- CreditReportRequest — Fetch a credit report using name, mobile, and PAN.
  - `name` string, required — Full name of the individual.
  - `mobile` string, required — 10 digit mobile number.
  - `pan` string, required — PAN of the individual.
  - `user_id` string, nullable — Optional customer-side user identifier for tracking.

## Response `200`

Credit report response returned.

- CreditReportResponse — Normalized credit report response for customers.
  - `status` 'success' | 'failed', required
  - `message` string, required
  - `result` object, required

## Other responses

- `400` — Bad request - missing or invalid input.
- `401` — Unauthorized - X-Client-ID or X-API-KEY missing or invalid.
- `500` — Internal server error.
- `502` — Bad gateway - verification service unavailable.
- `504` — Gateway timeout - verification service did not respond.

---

[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)