Background & Bureau Verification APIs

CIBIL Credit Report API

Pull a consumer's CIBIL credit score, history and active tradelines.

What it verifies

Pulls a consumer's CIBIL credit score and a summary of their credit history through a single call, normalised into one JSON schema so you can switch or combine bureaus without changing your integration.

Who uses it

Lenders and NBFCs underwriting loan applications
Fintech and buy-now-pay-later apps pre-screening applicants
Credit-card and loan-against-property teams checking existing obligations
Collections and portfolio-monitoring teams tracking borrower health

Request and response

POSThttps://verification.techinnoverz.com/api/v1/bureau/cibil-credit-report

Fetch a CIBIL credit report for a PAN. This call is billed when it returns a successful result.

Request body

panstringrequired

10-character PAN.

consentstringrequired

Must be "Y". Records that the end customer consented to this check; logged against the transaction.

referenceIdstringoptional

Your own id, echoed back in the response for reconciliation.

Example requests

curl -X POST "https://verification.techinnoverz.com/api/v1/bureau/cibil-credit-report" \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
  "pan": "ABCPE1234F",
  "consent": "Y",
  "referenceId": "app_20915"
}'

const res = await fetch("https://verification.techinnoverz.com/api/v1/bureau/cibil-credit-report", {
  method: "POST",
  headers: {
    "x-api-key": "YOUR_API_KEY",
    "Content-Type": "application/json",
  },
  body: JSON.stringify({
    "pan": "ABCPE1234F",
    "consent": "Y",
    "referenceId": "app_20915"
  }),
});
const result = await res.json();

import requests

res = requests.post(
    "https://verification.techinnoverz.com/api/v1/bureau/cibil-credit-report",
    headers={"x-api-key": "YOUR_API_KEY"},
    json={
        "pan": "ABCPE1234F",
        "consent": "Y",
        "referenceId": "app_20915",
    },
    timeout=15,
)
result = res.json()

200 response — status "found"

Response

{
  "status": "found",
  "data": {
    "score": 782,
    "tradelines": 4,
    "enquiriesLast6Months": 1
  },
  "source": "provider",
  "dataAsOf": "2026-11-03T09:30:00.000Z",
  "referenceId": "app_20915",
  "billing": {
    "charged": true,
    "walletBalance": "12450.00"
  },
  "txnId": "txn_8c31ba90",
  "livemode": true
}

Fields returned in data

scoreintegeroptional

Credit score on the bureau's 300–900 scale.

tradelinesintegeroptional

Number of credit accounts (tradelines) on file.

enquiriesLast6Monthsintegeroptional

Credit enquiries made in the last six months.

Error codes

Errors return a non-200 HTTP status and the same envelope, so your retry logic and your reconciliation agree.

400 INVALID_INPUT

A field is missing or malformed. The details list each problem. Not charged.

401 INVALID_KEY

The key is missing, revoked, or not a key we issued.

402 WALLET_EMPTY

Your available balance is below the price of this call. Top up and retry. Not charged.

403 PRODUCTION_NOT_ENABLED

A live key was used before live access was enabled for your account. Use a test key, or ask us to enable live access.

403 TEST_NOT_ENABLED

A test key was used before test (UAT) access was enabled for your account. Ask us to enable it.

403 API_NOT_ENABLED

This check is switched off for your account, or is not available for live use yet.

403 IP_NOT_ALLOWED

The key is restricted to certain IP addresses and this call came from another.

403 ACCOUNT_SUSPENDED

The account is suspended. Contact support.

404 NO_DATA

A valid request, but no record was found. Not charged.

404 ROUTE_NOT_FOUND

There is no endpoint at that path.

405 METHOD_NOT_ALLOWED

Use the method shown in the Allow header.

409 IDEMPOTENCY_IN_PROGRESS

A call with the same Idempotency-Key is still being processed. Retry after the delay in Retry-After.

413 PAYLOAD_TOO_LARGE

The request body is too large. Not charged.

415 UNSUPPORTED_MEDIA_TYPE

Send the request with Content-Type: application/json.

422 IDEMPOTENCY_KEY_REUSED

This Idempotency-Key was already used with a different request body. Use a new key for a new request.

429 RATE_LIMITED

Too many requests or too many at once. Wait for the Retry-After delay.

500 INTERNAL_ERROR

Something went wrong on our side. Not charged. Quote the txnId if you contact support.

502 SOURCE_ERROR

The data source returned an error. Not charged.

503 SOURCE_DOWN

The data source is unavailable right now. Not charged. Retry after the delay in Retry-After.

504 SOURCE_TIMEOUT

The data source did not answer in time. Not charged.

Error response

{
  "status": "error",
  "error": {
    "code": "NO_DATA",
    "message": "No record found for the given input. Not charged."
  },
  "billing": {
    "charged": false
  },
  "txnId": "txn_8c31ba91",
  "livemode": true
}

Billing

You are charged only on successful hits. Failed, no-data and error calls are free.

Every response carries billing.charged and your remaining billing.walletBalance. Per-hit pricing is set on your rate card; book a demo to get yours.

Related checks

CRIF Credit Report API — Pull a consumer's CRIF High Mark credit score, history and active tradelines.
Experian Credit Report API — Pull a consumer's Experian credit score, history and active tradelines.
Equifax Credit Report API — Pull a consumer's Equifax credit score, history and active tradelines.

All API documentation · OpenAPI specification · Docs as plain text