Credit Bureau Check

The API supports the evaluation of an individual's credit health, delivering essential information for evaluating loan eligibility and managing financial risk. Efficiency and Accuracy: This API simplifies credit data retrieval, offering accurate, timely information that enhances decision-making processes and reduces the time spent on manual credit assessments.

`credit_bureau_check`

POST https://secctrl.tutelar.io/api/v1/services/business_profile/credit_bureau_check

Sample Request Body

Body

Type

Mandatory

Description

panNumber

string

Yes

The PAN (Permanent Account Number) of the individual.

phoneNumber

string

Yes

The phone number of the individual for whom the credit report is requested.

pinCode

string

Yes

Pincode of the user.

dob

string

Yes

Date of Birth of the user. Format: yyyy-mm-dd

firstName

string

Yes

The first name of the individual.

lastName

string

Yes

The last name of the individual.

consent

string

Yes

Your consent to Tutelar processing your information for verification and compliance purposes only.

Sample Post Parameters

{
    "panNumber": "MDQPS602xx",
    "phoneNumber": "93601040xx",
    "pinCode": "600001",
    "dob": "2001-07-08",
    "firstName": "Siva",
    "lastName": "Manikandan",
    "consent": "Y"
}

{
    "success": true,
    "code": 200,
    "message": "The request has been successfully completed.",
    "reference_id": "6a732ac4-2852-4c7f-a72c-dc08a5714bef",
    "status": "completed",
    "result": {
        "currentApplicationDetails": {
            "firstName": "Siva",
            "lastName": "Manikandan",
            "gender": "Male",
            "dob": "19870811",
            "telephoneNumberApplicant1st": "",
            "mobilePhoneNumber": 9360104074,
            "emailId": "sivamani072001@gmail.com",
            "incomeTaxPan": "MDQPS6020K",
            "enquiryReason": 6,
            "financePurpose": "",
            "amountFinanced": 0,
            "durationOfAgreement": 0
        },
        "excelUrl": "http://3.108.106.182:8000/image-pub/kyc/TUTWEBK00xxx/creditBureauCheckDocuments/credit_bureau_1783496593180-178349659xxx.xlsx"
    },
    "requested_at": "2026-07-08T07:43:01.386Z",
    "completed_at": "2026-07-08T07:43:14.444Z"
}

{
    "success": true,
    "code": 200,
    "message": "The request is being processed. Please wait for completion.",
    "reference_id": "d1bbfb97-c82f-475d-b666-07e7b258f3da",
    "status": "in_progress",
    "requested_at": "2026-07-08T07:43:14.444Z",
}

{
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "PAN Number should not be empty",
        "field": "panNumber",
        "code": "BAD_REQUEST"
    }
}

{
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "Date of birth should not be empty",
        "field": "dob",
        "code": "BAD_REQUEST"
    }
}

{
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "Pincode should not be empty",
        "field": "pinCode",
        "code": "BAD_REQUEST"
    }
}

{
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "Date of birth should not be empty",
        "field": "dob",
        "code": "BAD_REQUEST"
    }
}

{
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "First Name should not be empty",
        "field": "firstName",
        "code": "BAD_REQUEST"
    }
}

{
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "Last Name should not be empty",
        "field": "lastName",
        "code": "BAD_REQUEST"
    }
}

{
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "Invalid PAN number",
        "field": "panNumber",
        "code": "BAD_REQUEST"
    }
}

{
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "phone Number must contain exactly 10 digits",
        "field": "phoneNumber",
        "code": "BAD_REQUEST"
    }
}

{
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "Pincode must contain exactly 6 digits",
        "field": "pinCode",
        "code": "BAD_REQUEST"
    }
}

{
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "Invalid date of birth format. Use YYYY-MM-DD.",
        "field": "dob",
        "code": "BAD_REQUEST"
    } 
} 

 {
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "First Name must be between 3 and 50 characters",
        "field": "firstName",
        "code": "BAD_REQUEST"
    }
}

 {
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "Last Name must be between 3 and 50 characters",
        "field": "lastName",
        "code": "BAD_REQUEST"
    }
}      
{
    "success": false,
    "code": 400,
    "message": "Consent should not be empty",
    "error": {
        "message": "Consent should not be empty",
        "field": "consent",
        "code": "BAD_REQUEST"
    }
}

{
    "success": false,
    "code": 400,
    "message": "consent must be 'Y'",
    "error": {
        "message": "consent must be 'Y'",
        "field": "consent",
        "code": "BAD_REQUEST"
    }
}

{
    "success": true,
    "code": 200,
    "message": "The request could not be completed due to an error.",
    "reference_id": "548025c4-9528-4502-958a-5b1226a63a60",
    "status": "failed",
    "error": {
        "message": "Invalid details were provided. Please submit valid details.",
        "code": "ERROR"
    },
    "requested_at": "2026-07-08T07:43:14.444Z",
    "completed_at": "2026-07-08T07:43:15.444Z"
}

Get details

GET https://secctrl.tutelar.io/api/v1/services/business_profile/credit_bureau_check

Query parameters description is given below,

Query Parameter

Type

Is Mandatory

Description

reference_id

String

Yes

Document reference id

{
    "success": true,
    "code": 200,
    "message": "The request has been successfully completed.",
    "reference_id": "6a732ac4-2852-4c7f-a72c-dc08a5714bef",
    "status": "completed",
    "result": {
        "currentApplicationDetails": {
            "firstName": "Siva",
            "lastName": "Manikandan",
            "gender": "Male",
            "dob": "19870811",
            "telephoneNumberApplicant1st": "",
            "mobilePhoneNumber": 9360104074,
            "emailId": "sivamani072001@gmail.com",
            "incomeTaxPan": "MDQPS6020K",
            "enquiryReason": 6,
            "financePurpose": "",
            "amountFinanced": 0,
            "durationOfAgreement": 0
        },
        "excelUrl": "http://3.108.106.182:8000/image-pub/kyc/TUTWEBK00xxx/creditBureauCheckDocuments/credit_bureau_1783496593180-178349659xxx.xlsx"
    },
    "requested_at": "2026-07-08T07:43:01.386Z",
    "completed_at": "2026-07-08T07:43:14.444Z"
}

{
    "success": true,
    "code": 200,
    "message": "The request is being processed. Please wait for completion.",
    "reference_id": "d1bbfb97-c82f-475d-b666-07e7b258f3da",
    "status": "in_progress",
    "requested_at": "2026-07-08T07:43:14.444Z",
}

{
    "success": true,
    "code": 200,
    "message": "The request could not be completed due to an error.",
    "reference_id": "548025c4-9528-4502-958a-5b1226a63a60",
    "status": "failed",
    "error": {
        "message": "Invalid details were provided. Please submit valid details.",
        "code": "ERROR"
    },
    "requested_at": "2026-07-08T07:43:14.444Z",
    "completed_at": "2026-07-08T07:43:15.444Z"
}

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{
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "PAN Number should not be empty",
        "field": "panNumber",
        "code": "BAD_REQUEST"
    }
}

{
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "Date of birth should not be empty",
        "field": "dob",
        "code": "BAD_REQUEST"
    }
}

{
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "Pincode should not be empty",
        "field": "pinCode",
        "code": "BAD_REQUEST"
    }
}

{
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "Date of birth should not be empty",
        "field": "dob",
        "code": "BAD_REQUEST"
    }
}

{
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "First Name should not be empty",
        "field": "firstName",
        "code": "BAD_REQUEST"
    }
}

{
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "Last Name should not be empty",
        "field": "lastName",
        "code": "BAD_REQUEST"
    }
}

{
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "Invalid PAN number",
        "field": "panNumber",
        "code": "BAD_REQUEST"
    }
}

{
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "phone Number must contain exactly 10 digits",
        "field": "phoneNumber",
        "code": "BAD_REQUEST"
    }
}

{
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "Pincode must contain exactly 6 digits",
        "field": "pinCode",
        "code": "BAD_REQUEST"
    }
}

{
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "Invalid date of birth format. Use YYYY-MM-DD.",
        "field": "dob",
        "code": "BAD_REQUEST"
    } 
} 

 {
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "First Name must be between 3 and 50 characters",
        "field": "firstName",
        "code": "BAD_REQUEST"
    }
}

 {
    "success": false,
    "code": 400,
    "message": "Invalid input. Please check your request and try again.",
    "error": {
        "message": "Last Name must be between 3 and 50 characters",
        "field": "lastName",
        "code": "BAD_REQUEST"
    }
}      
{
    "success": false,
    "code": 400,
    "message": "Consent should not be empty",
    "error": {
        "message": "Consent should not be empty",
        "field": "consent",
        "code": "BAD_REQUEST"
    }
}

{
    "success": false,
    "code": 400,
    "message": "consent must be 'Y'",
    "error": {
        "message": "consent must be 'Y'",
        "field": "consent",
        "code": "BAD_REQUEST"
    }
}