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"
}

200: Success Response

{
    "success": true,
    "code": 200,
    "message": "The request has been successfully completed.",
    "reference_id": "6a732ac4-2852-4c7f-a72c-dc08a5714bef",
    "status": "completed",
    "result": {
        "currentApplicationDetails": {
            "firstName": "John",
            "lastName": "Doe",
            "gender": "Male",
            "dob": "19870811",
            "telephoneNumberApplicant1st": "",
            "mobilePhoneNumber": 9360104074,
            "emailId": "m******@gmail.com",
            "incomeTaxPan": "MDQPS6020K",
            "enquiryReason": 6,
            "financePurpose": "",
            "amountFinanced": 0,
            "durationOfAgreement": 0
        },
        "excelUrl": "http://3.xxx.xxx.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"
}

200 : In progress

{
    "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",
}

400: Validation Error Response

{
    "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"
    }
}

200: Failure Response

{
    "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

200: Success Response

{
    "success": true,
    "code": 200,
    "message": "The request has been successfully completed.",
    "reference_id": "6a732ac4-2852-4c7f-a72c-dc08a5714bef",
    "status": "completed",
    "result": {
        "currentApplicationDetails": {
            "firstName": "John",
            "lastName": "Doe",
            "gender": "Male",
            "dob": "19870811",
            "telephoneNumberApplicant1st": "",
            "mobilePhoneNumber": 9360104074,
            "emailId": "m******@gmail.com",
            "incomeTaxPan": "MDQPS6020K",
            "enquiryReason": 6,
            "financePurpose": "",
            "amountFinanced": 0,
            "durationOfAgreement": 0
        },
        "excelUrl": "http://3.xxx.xxx.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"
}

200: In progress Response

{
    "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",
}

200: Failure Response

{
    "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"
}