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Get Credit Policy Decision Details

Action: POST

Endpoint: /api/CoreCredit/AccountManagement/GetCreditPolicyDecisionDetails

Use this API to get the credit policy decision details such as the name of credit policy, GDS code, GDS description, and bkplus score in a form of a score range of 01 to 1400 where low score treated as low risk.

Request fields details
Fields Description

Source

string

Mandatory

Source of API Consumer For external system expected sources will be WEB.

Allowable Values:

50

IPAddress

string

Optional

IP Address of Client / Application Hosting Server Example: 10.206.0.204

Allowable Values:

15

DateFormat

string

Optional

Place Holder for Future Use. Values are: 1 : MM/dd/yyyy HH:MM:SS (Default) 2 : MM/dd/yy HH:MM:SS 3 : dd/MM/yyyy HH:MM:SS

Allowable Values:

25

CurrencyCode

string

Optional

Currency Code Place Holder for Future Use. Valid Values: Refer Appendix Section - Currency Code Example:840 = US Dollar Condition:If no value is passed, default value = 840

Allowable Values:

10

CurrencySymbolType

string

Optional

Place Holder for Future Use. CurrencySymbolType: 1: Currency Sign like $ 2: 3 ALPHA Currency Code like USD

Allowable Values:

10

Language

string

Optional

Place Holder for Future Use. Language: en: means use English Default: en - English

Allowable Values:

10

ExternalIP

string

Mandatory

IP Address of end user of API

Allowable Values:

50

SessionID

string

Optional

Session identifier of the API Example: 000028;026;1349906692

Allowable Values:

100

APIVersion

string

Mandatory

Version of the API to be invoked. Example: 2.0 API Version Current Version 2.0

Allowable Values:

10

CallerID

string

Optional

Caller ID of source from where API is initiated it is End User Caller ID Example: 7204454214 (phone number applicable in Case of IVR)

Allowable Values:

20

CalledID

string

Optional

Called ID of destination for which API is initiated It is Destination Called ID Example: 7314145404 (phone number applicable in Case of IVR)

Allowable Values:

20

RequestTime

datetime

Optional

Request Date Time of API Format: MM/dd/yyyy HH:mm:ss Example:01/15/2020 10:05:23

ApplicationID

int64

Mandatory

This tag reflects the ApplicationID Valid Values:0-9 Format:XXXXXXXXXX Example:1234569875

Sample request body
{
  "Source": "Web",
  "IPAddress": "10.120.0.1",
  "DateFormat": null,
  "CurrencyCode": null,
  "CurrencySymbolType": null,
  "Language": null,
  "ExternalIP": "10.120.0.0",
  "SessionID": null,
  "APIVersion": "2.0",
  "CallerID": null,
  "CalledID": null,
  "RequestTime": null,
  "ApplicationID": 8002200220
}
Response fields details
Fields Description

BankAuditDetailsList

array

BankAuditDetailsList

CreditPolicy

string

Name of Credit Policy Valid Values: A-Z, 0-9 Format: abcdefghijk Example: Child Policy

Allowable Values:

100

BKPlusScore

integer

Predicts the likelihood of future bankruptcies on any type of account within 24 months. Provides a score range of 1 to 1400 (low score = low risk) Valid Values: 0 - 9 Format: xxxx Example: 0635

CoApplicationBKPlusScore

string

Predicts the likelihood of future bankruptcies on Co-Applicant account within 24 months. Provides a score range of 1 to 1400 (low score = low risk) Valid Values: 0 - 9 Format: xxxx Example: 0635

RequestedLoanAmt

decimal

RequestedLoanAmt Valid Values: 0-9 Format: 123 Example: Child Policy

Apartment

string

Apartment Valid Values: A-Z, 0-9 Format: 123 Example: Child Policy

CAApartment

string

CAApartment Valid Values: A-Z, 0-9 Format: 123 Example: Child Policy

ProgramState

string

ProgramState Valid Values: A-Z, 0-9 Format: 123 Example: Child Policy

CreditLimit

string

CreditLimit Valid Values: 0-9 Format: 123 Example: Child Policy

Status

string

Status Valid Values: A-Z, 0-9 Format: 123 Example: Child Policy

MerchantName

string

MerchantName Valid Values: A-Z, 0-9 Format: 123 Example: Child Policy

DTI

string

DTI Valid Values: A-Z, 0-9 Format: 123 Example: Child Policy

MaximumCreditLimit

string

MaximumCreditLimit Valid Values: 0-9 Format: 123 Example: Child Policy

CoApplicationIncome

decimal

CoApplicationIncome Valid Values: 0-9 Format: 123 Example: Child Policy

ProgramAddress1

string

ProgramAddress1 Valid Values: A-Z, 0-9 Format: 123 Example: Child Policy

ProgramAddress2

string

ProgramAddress2 Valid Values: A-Z, 0-9 Format: 123 Example: Child Policy

ProgramCity

string

ProgramCity Valid Values: A-Z, 0-9 Format: 123 Example: Child Policy

ProgramZip

string

ProgramZip Valid Values: A-Z, 0-9 Format: 123 Example: Child Policy

ApplicationFICOScore

string

ApplicationFICOScore Valid Values: A-Z, 0-9 Format: 123 Example: Child Policy

CoApplicationFICOScore

string

CoApplicationFICOScore Valid Values: A-Z, 0-9 Format: 123 Example: Child Policy

Sample response body

{
  "Message": "Success",
  "Status": true,
  "ErrorCode": "Err00017",
  "ResponseData": {
    "BankAuditDetailsList": [
      {
        "GDSCode": "",
        "GDSDecription": ""
      }
    ],
    "CreditPolicy": "",
    "BKPlusScore": 1,
    "CoApplicationBKPlusScore": "1",
    "RequestedLoanAmt": 0.0,
    "Apartment": null,
    "CAApartment": null,
    "ProgramState": null,
    "CreditLimit": null,
    "Status": null,
    "MerchantName": null,
    "DTI": null,
    "MaximumCreditLimit": null,
    "CoApplicationIncome": 0.0,
    "ProgramAddress1": null,
    "ProgramAddress2": null,
    "ProgramCity": null,
    "ProgramZip": null,
    "ApplicationFICOScore": null,
    "CoApplicationFICOScore": null
  }
}