Credit Report

Banking & Credit

Consent-based credit score and report for lending and financial-role screening.

Fetch an individual's credit score and full bureau report using PAN, name and registered mobile, with the person's explicit consent. Underwrite loans, screen candidates for roles with financial access and assess partners in one API call.

Endpoint

POST https://app.emver.io/api/sandbox/v1/credit-report

Authorization: Bearer YOUR_API_KEY

Content-Type: application/json

Accept: application/json

Request parameters

Field	Type	Description
`p_a_n_number` required	string	PAN number
`full_name` required	string	Full name
`registered_mobile` required	string	Registered mobile

Example request

cURL

curl -X POST https://app.emver.io/api/sandbox/v1/credit-report \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -H "Accept: application/json" \
  -d '{
    "p_a_n_number": "string",
    "full_name": "string",
    "registered_mobile": "9999999999"
}'

import requests

response = requests.post(
    "https://app.emver.io/api/sandbox/v1/credit-report",
    headers={
        "Authorization": "Bearer YOUR_API_KEY",
        "Accept": "application/json",
    },
    json={
        "p_a_n_number": "string",
        "full_name": "string",
        "registered_mobile": "9999999999"
    },
    timeout=60,
)
response.raise_for_status()
data = response.json()

const response = await fetch("https://app.emver.io/api/sandbox/v1/credit-report", {
  method: "POST",
  headers: {
    "Authorization": "Bearer YOUR_API_KEY",
    "Content-Type": "application/json",
    "Accept": "application/json",
  },
  body: JSON.stringify({
      "p_a_n_number": "string",
      "full_name": "string",
      "registered_mobile": "9999999999"
  }),
});

const data = await response.json();

$response = Http::withToken('YOUR_API_KEY')
    ->acceptJson()
    ->post('https://app.emver.io/api/sandbox/v1/credit-report', {
        "p_a_n_number": "string",
        "full_name": "string",
        "registered_mobile": "9999999999"
    });

$data = $response->json();

Replace YOUR_API_KEY and the placeholder values. Use the switch above to see production URLs.

Response

Structure · 200

{
  "status": INTEGER,
  "message": STRING,
  "data": {
    "credit_score": STRING,
    "registered_name": STRING,
    "full_credit_report": STRING
  }
}

Example · 200

{
  "status": 200,
  "message": "string",
  "data": {
    "credit_score": "string",
    "registered_name": "string",
    "full_credit_report": "string"
  }
}

Error · 4xx / 5xx

{
  "status": INTEGER,
  "message": STRING
}

See Errors & status codes for what each status means and which calls are billed.

About this API

A credit report is the most complete picture of an individual's financial behaviour: active loans, repayment history, enquiries and defaults. The Credit Report API returns the score and a link to the full report, so lenders can underwrite and employers can assess financial exposure for sensitive roles without collecting documents.

Consent is mandatory and is captured in the flow. emver stores the consent record with the request and includes it in the case audit trail.

Consent. Explicit, informed consent from the individual is required before a credit report is pulled. The consent statement and timestamp are stored with every request.

Typical uses

Loan and credit-card underwriting. Bureau data at the point of decision.
Financial-role screening. Assess candidates handling cash, treasury or customer funds.
Tenant screening. Landlords and platforms evaluate payment reliability.
Partner and franchisee assessment. Understand the financial standing of individuals behind a emver.

Questions

Is the person notified?: The person must consent before the pull. emver can host the consent screen for you, or you can capture consent in your own flow and pass the record with the request.
Does pulling a report affect the person's score?: Consent-based pulls of this kind are treated as soft enquiries by bureaus and do not affect the score the way a lender's hard enquiry does.
Can employers use credit reports?: Yes, with consent and a legitimate purpose such as roles with financial responsibility. emver's workflows let you restrict the check to designated roles.