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 } }