Experian Bureau Formats¶
Experian delivers credit information through their INProfileResponse format, available in both JSON and XML. The structure includes CAIS (Credit Account Information Sharing) account details, CAPS (Credit Application Processing Service) inquiry data, and bureau scores. Experian reports emphasize account status tracking, payment ratings, and comprehensive inquiry history with both credit and non-credit applications.
experian_softpull_json¶
{
"INProfileResponse": {
"Header": {
"SystemCode": "0",
"MessageText": "",
"ReportDate": "20260413",
"ReportTime": "100526"
},
"UserMessage": {
"UserMessageText": "Normal Response"
},
"CreditProfileHeader": {},
"Current_Application": {
"Current_Application_Details": {
"Enquiry_Reason": "13",
"Finance_Purpose": "99",
"Amount_Financed": "5000",
"Duration_Of_Agreement": "6",
"Current_Applicant_Details": {
"Last_Name": "",
"First_Name": "",
"Middle_Name1": "",
"Middle_Name2": "",
"Middle_Name3": "",
"Gender_Code": "1",
"IncomeTaxPan": "",
"PAN_Issue_Date": "",
"PAN_Expiration_Date": "",
"Passport_Number": "",
"Passport_Issue_Date": "",
"Passport_Expiration_Date": "",
"Voter_s_Identity_Card": "",
"Voter_ID_Issue_Date": "",
"Voter_ID_Expiration_Date": "",
"Driver_License_Number": "",
"Driver_License_Issue_Date": "",
"Driver_License_Expiration_Date": "",
"Ration_Card_Number": "",
"Ration_Card_Issue_Date": "",
"Ration_Card_Expiration_Date": "",
"Universal_ID_Number": "",
"Universal_ID_Issue_Date": "",
"Universal_ID_Expiration_Date": "",
"Date_Of_Birth_Applicant": "",
"Telephone_Number_Applicant_1st": "",
"Telephone_Extension": "",
"Telephone_Type": "",
"MobilePhoneNumber": "",
"EMailId": "charuramya55@gmail.com"
},
"Current_Other_Details": {
"Income": "",
"Marital_Status": "",
"Employment_Status": "",
"Time_with_Employer": "",
"Number_of_Major_Credit_Card_Held": ""
},
"Current_Applicant_Address_Details": {
"FlatNoPlotNoHouseNo": "N/A",
"BldgNoSocietyName": "Bairamangalam",
"RoadNoNameAreaLocality": "",
"City": "Bairamangalam",
"Landmark": "",
"State": "33",
"PINCode": "635113",
"Country_Code": "IB"
},
"Current_Applicant_Additional_Address_Details": ""
}
},
"CAIS_Account": {
"CAIS_Summary": {
"Credit_Account": {
"CreditAccountTotal": "63",
"CreditAccountActive": "4",
"CreditAccountDefault": "0",
"CreditAccountClosed": "59",
"CADSuitFiledCurrentBalance": "0"
},
"Total_Outstanding_Balance": {
"Outstanding_Balance_Secured": "1541865",
"Outstanding_Balance_Secured_Percentage": "100",
"Outstanding_Balance_UnSecured": "7549",
"Outstanding_Balance_UnSecured_Percentage": "0",
"Outstanding_Balance_All": "1549414"
}
},
"CAIS_Account_DETAILS": [
{
"Identification_Number": "NBFXXXXXXXX",
"Subscriber_Name": "XXXXXXXXXX",
"Account_Number": "XXXXXX9608",
"Portfolio_Type": "I",
"Account_Type": "07",
"Open_Date": "20260319",
"Highest_Credit_or_Original_Loan_Amount": "125181",
"Terms_Duration": "012",
"Terms_Frequency": "OD",
"Scheduled_Monthly_Payment_Amount": "",
"Account_Status": "11",
"Payment_Rating": "0",
"Payment_History_Profile": "N",
"Special_Comment": "",
"Current_Balance": "125180",
"Amount_Past_Due": "0",
"Original_Charge_off_Amount": "",
"Date_Reported": "20260331",
"Date_Of_First_Delinquency": "",
"Date_Closed": "",
"Date_of_Last_Payment": "",
"SuitFiledWillfulDefaultWrittenOffStatus": "",
"SuitFiled_WilfulDefault": "",
"Written_off_Settled_Status": "",
"Value_of_Credits_Last_Month": "",
"Occupation_Code": "",
"Settlement_Amount": "",
"Value_of_Collateral": "166914",
"Type_of_Collateral": "",
"Written_Off_Amt_Total": "",
"Written_Off_Amt_Principal": "",
"Rate_of_Interest": "",
"Repayment_Tenure": "12",
"Promotional_Rate_Flag": "",
"Income": "",
"Income_Indicator": "",
"Income_Frequency_Indicator": "",
"DefaultStatusDate": "",
"LitigationStatusDate": "",
"WriteOffStatusDate": "",
"DateOfAddition": "20260331",
"CurrencyCode": "INR",
"Subscriber_comments": "",
"Consumer_comments": "",
"AccountHoldertypeCode": "1",
"CAIS_Account_History": {
"Year": "2026",
"Month": "03",
"Days_Past_Due": "0",
"Asset_Classification": "?"
},
"CAIS_Holder_Details": {},
"CAIS_Holder_Address_Details": {},
"CAIS_Holder_Phone_Details": {},
"CAIS_Holder_ID_Details": {}
}
]
},
"Match_result": {
"Exact_match": "Y"
},
"TotalCAPS_Summary": {
"TotalCAPSLast7Days": "25",
"TotalCAPSLast30Days": "25",
"TotalCAPSLast90Days": "26",
"TotalCAPSLast180Days": "26"
},
"CAPS": {
"CAPS_Summary": {
"CAPSLast7Days": "1",
"CAPSLast30Days": "1",
"CAPSLast90Days": "2",
"CAPSLast180Days": "2"
},
"CAPS_Application_Details": [
{
"Subscriber_code": "NBF163196",
"Subscriber_Name": "R K BANSAL FINANCE PRIVATE LIMITED",
"Date_of_Request": "20260413",
"ReportTime": "100525",
"ReportNumber": "1776054925599",
"Enquiry_Reason": "13",
"Finance_Purpose": "",
"Amount_Financed": "5000",
"Duration_Of_Agreement": "6",
"CAPS_Applicant_Details": {
"Last_Name": "",
"First_Name": "",
"Middle_Name1": "",
"Middle_Name2": "",
"Middle_Name3": "",
"Gender_Code": "",
"Date_Of_Birth_Applicant": "",
"Telephone_Number_Applicant_1st": "",
"Telephone_Extension": "",
"Telephone_Type": "",
"EMailId": ""
},
"CAPS_Other_Details": {
"Income": "",
"Marital_Status": "",
"Employment_Status": "",
"Time_with_Employer": "",
"Number_of_Major_Credit_Card_Held": ""
},
"CAPS_Applicant_Address_Details": {
"FlatNoPlotNoHouseNo": "",
"BldgNoSocietyName": "",
"RoadNoNameAreaLocality": "",
"City": "",
"Landmark": "",
"State": "",
"PINCode": "",
"Country_Code": "IB"
},
"CAPS_Applicant_Additional_Address_Details": ""
}
]
},
"NonCreditCAPS": {
"NonCreditCAPS_Summary": {
"NonCreditCAPSLast7Days": "24",
"NonCreditCAPSLast30Days": "24",
"NonCreditCAPSLast90Days": "24",
"NonCreditCAPSLast180Days": "24"
},
"CAPS_Application_Details": [
{
"Subscriber_code": "NBFXXXXXXXX",
"Subscriber_Name": "XXXXXXXXXX",
"Date_of_Request": "20260122",
"ReportTime": "113813",
"ReportNumber": "1769062093192",
"Enquiry_Reason": "99",
"Finance_Purpose": "99",
"Amount_Financed": "0",
"Duration_Of_Agreement": "0",
"CAPS_Applicant_Details": {
"Last_Name": "Venkatesh",
"First_Name": "Srinivas",
"Middle_Name1": "",
"Middle_Name2": "",
"Middle_Name3": "",
"Gender_Code": "",
"Date_Of_Birth_Applicant": "",
"Telephone_Type": "01",
"MobilePhoneNumber": "9952252341",
"EMailId": ""
},
"CAPS_Other_Details": {
"Income": "",
"Marital_Status": "",
"Employment_Status": "",
"Time_with_Employer": "",
"Number_of_Major_Credit_Card_Held": ""
},
"CAPS_Applicant_Address_Details": {
"FlatNoPlotNoHouseNo": "",
"BldgNoSocietyName": "",
"RoadNoNameAreaLocality": "",
"City": "",
"Landmark": "",
"State": "",
"PINCode": "",
"Country_Code": "IB"
},
"CAPS_Applicant_Additional_Address_Details": ""
}
]
},
"SCORE": {
"BureauScore": "606",
"BureauScoreConfidLevel": "",
"CreditRating": ""
}
}
}
experian_softpull_json_v2¶
{
"INProfileResponse": {
"Header": {
"SystemCode": "0",
"MessageText": "",
"ReportDate": "20260413",
"ReportTime": "100526"
},
"UserMessage": {
"UserMessageText": "Normal Response"
},
"CreditProfileHeader": {},
"Current_Application": {
"Current_Application_Details": {
"Enquiry_Reason": "13",
"Finance_Purpose": "99",
"Amount_Financed": "5000",
"Duration_Of_Agreement": "6",
"Current_Applicant_Details": {
"Last_Name": "",
"First_Name": "",
"Middle_Name1": "",
"Middle_Name2": "",
"Middle_Name3": "",
"Gender_Code": "1",
"IncomeTaxPan": "",
"PAN_Issue_Date": "",
"PAN_Expiration_Date": "",
"Passport_Number": "",
"Passport_Issue_Date": "",
"Passport_Expiration_Date": "",
"Voter_s_Identity_Card": "",
"Voter_ID_Issue_Date": "",
"Voter_ID_Expiration_Date": "",
"Driver_License_Number": "",
"Driver_License_Issue_Date": "",
"Driver_License_Expiration_Date": "",
"Ration_Card_Number": "",
"Ration_Card_Issue_Date": "",
"Ration_Card_Expiration_Date": "",
"Universal_ID_Number": "",
"Universal_ID_Issue_Date": "",
"Universal_ID_Expiration_Date": "",
"Date_Of_Birth_Applicant": "",
"Telephone_Number_Applicant_1st": "",
"Telephone_Extension": "",
"Telephone_Type": "",
"MobilePhoneNumber": "",
"EMailId": "charuramya55@gmail.com"
},
"Current_Other_Details": {
"Income": "",
"Marital_Status": "",
"Employment_Status": "",
"Time_with_Employer": "",
"Number_of_Major_Credit_Card_Held": ""
},
"Current_Applicant_Address_Details": {
"FlatNoPlotNoHouseNo": "N/A",
"BldgNoSocietyName": "Bairamangalam",
"RoadNoNameAreaLocality": "",
"City": "Bairamangalam",
"Landmark": "",
"State": "33",
"PINCode": "635113",
"Country_Code": "IB"
},
"Current_Applicant_Additional_Address_Details": ""
}
},
"CAIS_Account": {
"CAIS_Summary": {
"Credit_Account": {
"CreditAccountTotal": "63",
"CreditAccountActive": "4",
"CreditAccountDefault": "0",
"CreditAccountClosed": "59",
"CADSuitFiledCurrentBalance": "0"
},
"Total_Outstanding_Balance": {
"Outstanding_Balance_Secured": "1541865",
"Outstanding_Balance_Secured_Percentage": "100",
"Outstanding_Balance_UnSecured": "7549",
"Outstanding_Balance_UnSecured_Percentage": "0",
"Outstanding_Balance_All": "1549414"
}
},
"CAIS_Account_DETAILS": [
{
"Identification_Number": "NBFXXXXXXXX",
"Subscriber_Name": "XXXXXXXXXX",
"Account_Number": "XXXXXX9608",
"Portfolio_Type": "I",
"Account_Type": "07",
"Open_Date": "20260319",
"Highest_Credit_or_Original_Loan_Amount": "125181",
"Terms_Duration": "012",
"Terms_Frequency": "OD",
"Scheduled_Monthly_Payment_Amount": "",
"Account_Status": "11",
"Payment_Rating": "0",
"Payment_History_Profile": "N",
"Special_Comment": "",
"Current_Balance": "125180",
"Amount_Past_Due": "0",
"Original_Charge_off_Amount": "",
"Date_Reported": "20260331",
"Date_Of_First_Delinquency": "",
"Date_Closed": "",
"Date_of_Last_Payment": "",
"SuitFiledWillfulDefaultWrittenOffStatus": "",
"SuitFiled_WilfulDefault": "",
"Written_off_Settled_Status": "",
"Value_of_Credits_Last_Month": "",
"Occupation_Code": "",
"Settlement_Amount": "",
"Value_of_Collateral": "166914",
"Type_of_Collateral": "",
"Written_Off_Amt_Total": "",
"Written_Off_Amt_Principal": "",
"Rate_of_Interest": "",
"Repayment_Tenure": "12",
"Promotional_Rate_Flag": "",
"Income": "",
"Income_Indicator": "",
"Income_Frequency_Indicator": "",
"DefaultStatusDate": "",
"LitigationStatusDate": "",
"WriteOffStatusDate": "",
"DateOfAddition": "20260331",
"CurrencyCode": "INR",
"Subscriber_comments": "",
"Consumer_comments": "",
"AccountHoldertypeCode": "1",
"CAIS_Account_History": {
"Year": "2026",
"Month": "03",
"Days_Past_Due": "0",
"Asset_Classification": "?"
},
"CAIS_Holder_Details": {},
"CAIS_Holder_Address_Details": {},
"CAIS_Holder_Phone_Details": {},
"CAIS_Holder_ID_Details": {}
}
]
},
"Match_result": {
"Exact_match": "Y"
},
"TotalCAPS_Summary": {
"TotalCAPSLast7Days": "25",
"TotalCAPSLast30Days": "25",
"TotalCAPSLast90Days": "26",
"TotalCAPSLast180Days": "26"
},
"CAPS": {
"CAPS_Summary": {
"CAPSLast7Days": "1",
"CAPSLast30Days": "1",
"CAPSLast90Days": "2",
"CAPSLast180Days": "2"
},
"CAPS_Application_Details": [
{
"Subscriber_code": "NBF163196",
"Subscriber_Name": "R K BANSAL FINANCE PRIVATE LIMITED",
"Date_of_Request": "20260413",
"ReportTime": "100525",
"ReportNumber": "1776054925599",
"Enquiry_Reason": "13",
"Finance_Purpose": "",
"Amount_Financed": "5000",
"Duration_Of_Agreement": "6",
"CAPS_Applicant_Details": {
"Last_Name": "",
"First_Name": "",
"Middle_Name1": "",
"Middle_Name2": "",
"Middle_Name3": "",
"Gender_Code": "",
"Date_Of_Birth_Applicant": "",
"Telephone_Number_Applicant_1st": "",
"Telephone_Extension": "",
"Telephone_Type": "",
"EMailId": ""
},
"CAPS_Other_Details": {
"Income": "",
"Marital_Status": "",
"Employment_Status": "",
"Time_with_Employer": "",
"Number_of_Major_Credit_Card_Held": ""
},
"CAPS_Applicant_Address_Details": {
"FlatNoPlotNoHouseNo": "",
"BldgNoSocietyName": "",
"RoadNoNameAreaLocality": "",
"City": "",
"Landmark": "",
"State": "",
"PINCode": "",
"Country_Code": "IB"
},
"CAPS_Applicant_Additional_Address_Details": ""
}
]
},
"NonCreditCAPS": {
"NonCreditCAPS_Summary": {
"NonCreditCAPSLast7Days": "24",
"NonCreditCAPSLast30Days": "24",
"NonCreditCAPSLast90Days": "24",
"NonCreditCAPSLast180Days": "24"
},
"CAPS_Application_Details": [
{
"Subscriber_code": "NBFXXXXXXXX",
"Subscriber_Name": "XXXXXXXXXX",
"Date_of_Request": "20260122",
"ReportTime": "113813",
"ReportNumber": "1769062093192",
"Enquiry_Reason": "99",
"Finance_Purpose": "99",
"Amount_Financed": "0",
"Duration_Of_Agreement": "0",
"CAPS_Applicant_Details": {
"Last_Name": "Venkatesh",
"First_Name": "Srinivas",
"Middle_Name1": "",
"Middle_Name2": "",
"Middle_Name3": "",
"Gender_Code": "",
"Date_Of_Birth_Applicant": "",
"Telephone_Type": "01",
"MobilePhoneNumber": "9952252341",
"EMailId": ""
},
"CAPS_Other_Details": {
"Income": "",
"Marital_Status": "",
"Employment_Status": "",
"Time_with_Employer": "",
"Number_of_Major_Credit_Card_Held": ""
},
"CAPS_Applicant_Address_Details": {
"FlatNoPlotNoHouseNo": "",
"BldgNoSocietyName": "",
"RoadNoNameAreaLocality": "",
"City": "",
"Landmark": "",
"State": "",
"PINCode": "",
"Country_Code": "IB"
},
"CAPS_Applicant_Additional_Address_Details": ""
}
]
},
"SCORE": {
"BureauScore": 476,
"BureauScoreConfidLevel": "",
"FCIREXScore": 476,
"FCIREXScoreConfidLevel": ""
}
}
}
experian_softpull_json_v3¶
{
"inprofileresponse": {
"header": {
"systemcode": "0",
"messagetext": "",
"reportdate": "20260414",
"reporttime": "072734"
},
"usermessage": {
"usermessagetext": "Normal Response"
},
"creditprofileheader": {
"enquiry_username": "",
"reportdate": "20260414",
"reporttime": "072734",
"version": "V2.4",
"reportnumber": "",
"subscriber": "",
"subscriber_name": ""
},
"current_application": {
"current_application_details": {
"enquiry_reason": "6",
"finance_purpose": "",
"amount_financed": "0",
"duration_of_agreement": "0",
"current_applicant_details": {
"last_name": "XXXXX",
"first_name": "XXXXX",
"middle_name1": "",
"middle_name2": "",
"middle_name3": "",
"gender_code": "1",
"incometaxpan": "XXXXX",
"pan_issue_date": "",
"pan_expiration_date": "",
"passport_number": "",
"passport_issue_date": "",
"passport_expiration_date": "",
"voter_s_identity_card": "",
"voter_id_issue_date": "",
"voter_id_expiration_date": "",
"driver_license_number": "",
"driver_license_issue_date": "",
"driver_license_expiration_date": "",
"ration_card_number": "",
"ration_card_issue_date": "",
"ration_card_expiration_date": "",
"universal_id_number": "",
"universal_id_issue_date": "",
"universal_id_expiration_date": "",
"date_of_birth_applicant": "19980311",
"telephone_number_applicant_1st": "",
"telephone_extension": "",
"telephone_type": "",
"mobilephonenumber": "XXXXX",
"emailid": ""
},
"current_other_details": {
"income": "",
"marital_status": "",
"employment_status": "",
"time_with_employer": "",
"number_of_major_credit_card_held": ""
},
"current_applicant_address_details": {
"flatnoplotnohouseno": "vill-mahthin tola Baligaon Bhojpur",
"bldgnosocietyname": "",
"roadnonamearealocality": "",
"city": "Bhojpur",
"landmark": "",
"state": "10",
"pincode": "802203",
"country_code": "IB"
},
"current_applicant_additional_address_details": ""
}
},
"cais_account": {
"cais_summary": {
"credit_account": {
"creditaccounttotal": "43",
"creditaccountactive": "10",
"creditaccountdefault": "0",
"creditaccountclosed": "33",
"cadsuitfiledcurrentbalance": "0"
},
"total_outstanding_balance": {
"outstanding_balance_secured": "0",
"outstanding_balance_secured_percentage": "0",
"outstanding_balance_unsecured": "6722",
"outstanding_balance_unsecured_percentage": "32",
"outstanding_balance_all": "20844"
}
},
"cais_account_details": [
{
"identification_number": "NBFXXXXXXXX",
"subscriber_name": "XXXXXXXXXX",
"account_number": "XXXXXXXXXXXXXXXXXX2826",
"portfolio_type": "I",
"account_type": "69",
"open_date": "20250218",
"highest_credit_or_original_loan_amount": "2000",
"terms_duration": "006",
"terms_frequency": "M",
"scheduled_monthly_payment_amount": "",
"account_status": "97",
"payment_rating": "6",
"payment_history_profile": "666666543210S???????????????????????",
"special_comment": "",
"current_balance": "2000",
"amount_past_due": "2576",
"original_charge_off_amount": "",
"date_reported": "20260331",
"date_of_first_delinquency": "",
"date_closed": "",
"date_of_last_payment": "",
"suitfiledwillfuldefaultwrittenoffstatus": "",
"suitfiled_wilfuldefault": "",
"written_off_settled_status": "02",
"value_of_credits_last_month": "",
"occupation_code": "",
"settlement_amount": "",
"value_of_collateral": "",
"type_of_collateral": "",
"written_off_amt_total": "2576",
"written_off_amt_principal": "2000",
"rate_of_interest": "",
"repayment_tenure": "6",
"promotional_rate_flag": "",
"income": "",
"income_indicator": "",
"income_frequency_indicator": "",
"defaultstatusdate": "",
"litigationstatusdate": "",
"writeoffstatusdate": "",
"dateofaddition": "20250223",
"currencycode": "INR",
"subscriber_comments": "",
"consumer_comments": "",
"accountholdertypecode": "1",
"cais_account_history": [
{
"year": "2026",
"month": "03",
"days_past_due": "380",
"asset_classification": "?"
},
{
"year": "2026",
"month": "02",
"days_past_due": "349",
"asset_classification": "?"
}
],
"cais_holder_details": [
{
"surname_non_normalized": "XXXXX",
"first_name_non_normalized": "",
"middle_name_1_non_normalized": "",
"middle_name_2_non_normalized": "",
"middle_name_3_non_normalized": "",
"alias": "",
"gender_code": "1",
"income_tax_pan": "XXXXX",
"date_of_birth": "19980311"
}
],
"cais_holder_address_details": {
"first_line_of_address_non_normalized": "VILL-MAHTHIN TOLA BALIGAON BHOJPUR BIHAR",
"second_line_of_address_non_normalized": "802203",
"third_line_of_address_non_normalized": "",
"city_non_normalized": "",
"fifth_line_of_address_non_normalized": "",
"state_non_normalized": "10",
"zip_postal_code_non_normalized": "802203",
"countrycode_non_normalized": "IB",
"address_indicator_non_normalized": "01",
"residence_code_non_normalized": ""
},
"cais_holder_phone_details": {
"telephone_number": "",
"telephone_type": "01",
"mobile_telephone_number": "XXXXX",
"emailid": "OMKARBABU4@GMAIL.COM"
},
"cais_holder_id_details": {
"income_tax_pan": "XXXXX",
"pan_issue_date": "",
"pan_expiration_date": "",
"driver_license_number": "",
"driver_license_issue_date": "",
"driver_license_expiration_date": "",
"emailid": "OMKARBABU4@GMAIL.COM"
}
}
]
},
"match_result": {
"exact_match": "Y"
},
"totalcaps_summary": {
"totalcapslast7days": "7",
"totalcapslast30days": "7",
"totalcapslast90days": "7",
"totalcapslast180days": "7"
},
"caps": {
"caps_summary": {
"capslast7days": "1",
"capslast30days": "1",
"capslast90days": "1",
"capslast180days": "1"
},
"caps_application_details": {
"subscriber_code": "274141",
"subscriber_name": "",
"date_of_request": "20260414",
"reporttime": "072734",
"reportnumber": "1776131854052",
"enquiry_reason": "6",
"finance_purpose": "",
"amount_financed": "0",
"duration_of_agreement": "0",
"caps_applicant_details": {
"last_name": "",
"first_name": "",
"middle_name1": "",
"middle_name2": "",
"middle_name3": "",
"gender_code": "",
"date_of_birth_applicant": "",
"telephone_number_applicant_1st": "",
"telephone_extension": "",
"telephone_type": "",
"emailid": ""
},
"caps_other_details": {
"income": "",
"marital_status": "",
"employment_status": "",
"time_with_employer": "",
"number_of_major_credit_card_held": ""
},
"caps_applicant_address_details": {
"flatnoplotnohouseno": "",
"bldgnosocietyname": "",
"roadnonamearealocality": "",
"city": "",
"landmark": "",
"state": "",
"pincode": "",
"country_code": "IB"
},
"caps_applicant_additional_address_details": ""
}
},
"noncreditcaps": {
"noncreditcaps_summary": {
"noncreditcapslast7days": "6",
"noncreditcapslast30days": "6",
"noncreditcapslast90days": "6",
"noncreditcapslast180days": "6"
},
"caps_application_details": [
{
"subscriber_code": "",
"subscriber_name": "",
"date_of_request": "20250314",
"reporttime": "084033",
"reportnumber": "1741921833253",
"enquiry_reason": "99",
"finance_purpose": "99",
"amount_financed": "0",
"duration_of_agreement": "0",
"caps_applicant_details": {
"last_name": "XXXXX",
"first_name": "XXXXX",
"middle_name1": "",
"middle_name2": "",
"middle_name3": "",
"gender_code": "",
"date_of_birth_applicant": "",
"telephone_type": "01",
"mobilephonenumber": "XXXXX",
"emailid": ""
},
"caps_other_details": {
"income": "",
"marital_status": "",
"employment_status": "",
"time_with_employer": "",
"number_of_major_credit_card_held": ""
},
"caps_applicant_address_details": {
"flatnoplotnohouseno": "apartment",
"bldgnosocietyname": "",
"roadnonamearealocality": "",
"city": "",
"landmark": "",
"state": "",
"pincode": "",
"country_code": "IB"
},
"caps_applicant_additional_address_details": ""
}
]
},
"score": {
"bureauscore": "517",
"bureauscoreconfidlevel": "",
"creditrating": ""
}
}
}
experian_xml¶
<?xml version="1.0" encoding="UTF-8"?>
<soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/">
<soapenv:Header/>
<soapenv:Body>
<processResponse xmlns="http://nextgenws.ngwsconnect.experian.com">
<processReturn>
<INProfileResponse>
<Header>
<SystemCode>0</SystemCode>
<MessageText></MessageText>
<ReportDate>20260419</ReportDate>
<ReportTime>174707</ReportTime>
</Header>
<UserMessage>
<UserMessageText>Normal Response</UserMessageText>
</UserMessage>
<CreditProfileHeader>
<Enquiry_Username>XXXX</Enquiry_Username>
<ReportDate>20260419</ReportDate>
<ReportTime>174707</ReportTime>
<Version>V2.4</Version>
<ReportNumber>XXXX</ReportNumber>
<Subscriber></Subscriber>
<Subscriber_Name>XXXX</Subscriber_Name>
<CustomerReferenceID></CustomerReferenceID>
</CreditProfileHeader>
<Current_Application>
<Current_Application_Details>
<Enquiry_Reason>6</Enquiry_Reason>
<Finance_Purpose>22</Finance_Purpose>
<Amount_Financed>0</Amount_Financed>
<Duration_Of_Agreement>1</Duration_Of_Agreement>
<Current_Applicant_Details>
<Last_Name>XXXX</Last_Name>
<First_Name>XXXX</First_Name>
<Middle_Name1></Middle_Name1>
<Middle_Name2></Middle_Name2>
<Middle_Name3></Middle_Name3>
<Gender_Code>2</Gender_Code>
<IncomeTaxPan>XXXX</IncomeTaxPan>
<PAN_Issue_Date></PAN_Issue_Date>
<PAN_Expiration_Date></PAN_Expiration_Date>
<Passport_Number></Passport_Number>
<Passport_Issue_Date></Passport_Issue_Date>
<Passport_Expiration_Date></Passport_Expiration_Date>
<Voter_s_Identity_Card></Voter_s_Identity_Card>
<Voter_ID_Issue_Date></Voter_ID_Issue_Date>
<Voter_ID_Expiration_Date></Voter_ID_Expiration_Date>
<Driver_License_Number></Driver_License_Number>
<Driver_License_Issue_Date></Driver_License_Issue_Date>
<Driver_License_Expiration_Date></Driver_License_Expiration_Date>
<Ration_Card_Number></Ration_Card_Number>
<Ration_Card_Issue_Date></Ration_Card_Issue_Date>
<Ration_Card_Expiration_Date></Ration_Card_Expiration_Date>
<Universal_ID_Number></Universal_ID_Number>
<Universal_ID_Issue_Date></Universal_ID_Issue_Date>
<Universal_ID_Expiration_Date></Universal_ID_Expiration_Date>
<Date_Of_Birth_Applicant>19920604</Date_Of_Birth_Applicant>
<Telephone_Number_Applicant_1st>9535705915</Telephone_Number_Applicant_1st>
<Telephone_Extension></Telephone_Extension>
<Telephone_Type></Telephone_Type>
<MobilePhoneNumber></MobilePhoneNumber>
<EMailId></EMailId>
</Current_Applicant_Details>
<Current_Other_Details>
<Income>0</Income>
<Marital_Status></Marital_Status>
<Employment_Status></Employment_Status>
<Time_with_Employer></Time_with_Employer>
<Number_of_Major_Credit_Card_Held></Number_of_Major_Credit_Card_Held>
</Current_Other_Details>
<Current_Applicant_Address_Details>
<FlatNoPlotNoHouseNo>3rd FloorG</FlatNoPlotNoHouseNo>
<BldgNoSocietyName>WORKBAE COWORKING</BldgNoSocietyName>
<RoadNoNameAreaLocality>K22 SL MARG TONK ROAD</RoadNoNameAreaLocality>
<City>Jaipur</City>
<Landmark></Landmark>
<State>08</State>
<PINCode>302001</PINCode>
<Country_Code>IB</Country_Code>
</Current_Applicant_Address_Details>
<Current_Applicant_Additional_AddressDetails></Current_Applicant_Additional_AddressDetails>
</Current_Application_Details>
</Current_Application>
<CAIS_Account>
<CAIS_Summary>
<Credit_Account>
<CreditAccountTotal>335</CreditAccountTotal>
<CreditAccountActive>15</CreditAccountActive>
<CreditAccountDefault>0</CreditAccountDefault>
<CreditAccountClosed>320</CreditAccountClosed>
<CADSuitFiledCurrentBalance>0</CADSuitFiledCurrentBalance>
</Credit_Account>
<Total_Outstanding_Balance>
<Outstanding_Balance_Secured>9770166</Outstanding_Balance_Secured>
<Outstanding_Balance_Secured_Percentage>71</Outstanding_Balance_Secured_Percentage>
<Outstanding_Balance_UnSecured>2700811</Outstanding_Balance_UnSecured>
<Outstanding_Balance_UnSecured_Percentage>20</Outstanding_Balance_UnSecured_Percentage>
<Outstanding_Balance_All>13665032</Outstanding_Balance_All>
</Total_Outstanding_Balance>
</CAIS_Summary>
<CAIS_Account_DETAILS>
<Identification_Number>XXXX</Identification_Number>
<Subscriber_Name>XXXXXXXXXX</Subscriber_Name>
<Account_Number>XXXXXXXXXXXXX4601</Account_Number>
<Portfolio_Type>I</Portfolio_Type>
<Account_Type>03</Account_Type>
<Open_Date>20260329</Open_Date>
<Credit_Limit_Amount></Credit_Limit_Amount>
<Highest_Credit_or_Original_Loan_Amount>9191151</Highest_Credit_or_Original_Loan_Amount>
<Terms_Duration>180</Terms_Duration>
<Terms_Frequency>M</Terms_Frequency>
<Scheduled_Monthly_Payment_Amount></Scheduled_Monthly_Payment_Amount>
<Account_Status>11</Account_Status>
<Payment_Rating>0</Payment_Rating>
<Payment_History_Profile>0???????????????????????????????????</Payment_History_Profile>
<Special_Comment></Special_Comment>
<Current_Balance>8202553</Current_Balance>
<Amount_Past_Due>0</Amount_Past_Due>
<Original_Charge_Off_Amount></Original_Charge_Off_Amount>
<Date_Reported>20260411</Date_Reported>
<Date_of_First_Delinquency></Date_of_First_Delinquency>
<Date_Closed></Date_Closed>
<Date_of_Last_Payment>20260405</Date_of_Last_Payment>
<SuitFiledWillfulDefaultWrittenOffStatus></SuitFiledWillfulDefaultWrittenOffStatus>
<SuitFiled_WillfulDefault></SuitFiled_WillfulDefault>
<Written_off_Settled_Status></Written_off_Settled_Status>
<Value_of_Credits_Last_Month></Value_of_Credits_Last_Month>
<Occupation_Code></Occupation_Code>
<Settlement_Amount></Settlement_Amount>
<Value_of_Collateral></Value_of_Collateral>
<Type_of_Collateral>06</Type_of_Collateral>
<Written_Off_Amt_Total></Written_Off_Amt_Total>
<Written_Off_Amt_Principal></Written_Off_Amt_Principal>
<Rate_of_Interest>12.000</Rate_of_Interest>
<Repayment_Tenure>180</Repayment_Tenure>
<Promotional_Rate_Flag></Promotional_Rate_Flag>
<Income></Income>
<Income_Indicator></Income_Indicator>
<Income_Frequency_Indicator></Income_Frequency_Indicator>
<DefaultStatusDate></DefaultStatusDate>
<LitigationStatusDate></LitigationStatusDate>
<WriteOffStatusDate></WriteOffStatusDate>
<DateOfAddition>20260331</DateOfAddition>
<CurrencyCode>INR</CurrencyCode>
<Subscriber_comments></Subscriber_comments>
<Consumer_comments></Consumer_comments>
<AccountHoldertypeCode>2</AccountHoldertypeCode>
<CAIS_Account_History>
<Year>2026</Year>
<Month>04</Month>
<Days_Past_Due>0</Days_Past_Due>
<Asset_Classification>?</Asset_Classification>
</CAIS_Account_History>
<CAIS_Account_History>
<Year>2026</Year>
<Month>03</Month>
<Days_Past_Due>0</Days_Past_Due>
<Asset_Classification>?</Asset_Classification>
</CAIS_Account_History>
<CAIS_Holder_Details>
<Surname_Non_Normalized>XXXX</Surname_Non_Normalized>
<First_Name_Non_Normalized>XXXX</First_Name_Non_Normalized>
<Middle_Name_1_Non_Normalized></Middle_Name_1_Non_Normalized>
<Middle_Name_2_Non_Normalized></Middle_Name_2_Non_Normalized>
<Middle_Name_3_Non_Normalized></Middle_Name_3_Non_Normalized>
<Alias></Alias>
<Gender_Code>1</Gender_Code>
<Income_TAX_PAN>XXXX</Income_TAX_PAN>
<Passport_Number></Passport_Number>
<Voter_ID_Number></Voter_ID_Number>
<Date_of_birth>19920604</Date_of_birth>
</CAIS_Holder_Details>
<CAIS_Holder_Address_Details>
<First_Line_Of_Address_non_normalized>NO 10 VEERAPURA CHANNAGIRI DAVANAGERE</First_Line_Of_Address_non_normalized>
<Second_Line_Of_Address_non_normalized>MAIN ROAD DAVANGERE KARNATAKA</Second_Line_Of_Address_non_normalized>
<Third_Line_Of_Address_non_normalized></Third_Line_Of_Address_non_normalized>
<City_non_normalized></City_non_normalized>
<Fifth_Line_Of_Address_non_normalized></Fifth_Line_Of_Address_non_normalized>
<State_non_normalized>29</State_non_normalized>
<ZIP_Postal_Code_non_normalized>577213</ZIP_Postal_Code_non_normalized>
<CountryCode_non_normalized>IB</CountryCode_non_normalized>
<Address_indicator_non_normalized>03</Address_indicator_non_normalized>
<Residence_code_non_normalized></Residence_code_non_normalized>
</CAIS_Holder_Address_Details>
<CAIS_Holder_Address_Details>
<First_Line_Of_Address_non_normalized>CO HALESHAPPA V V NO 10 VIRAPURA</First_Line_Of_Address_non_normalized>
<Second_Line_Of_Address_non_normalized>CHANNAGIRI TALUK DURVEGERE PO DURVEGERE</Second_Line_Of_Address_non_normalized>
<Third_Line_Of_Address_non_normalized>DIST DAVANGERE MAIN ROAD DAVANGERE</Third_Line_Of_Address_non_normalized>
<City_non_normalized>KARNATAKA</City_non_normalized>
<Fifth_Line_Of_Address_non_normalized></Fifth_Line_Of_Address_non_normalized>
<State_non_normalized>29</State_non_normalized>
<ZIP_Postal_Code_non_normalized>577213</ZIP_Postal_Code_non_normalized>
<CountryCode_non_normalized>IB</CountryCode_non_normalized>
<Address_indicator_non_normalized>01</Address_indicator_non_normalized>
<Residence_code_non_normalized></Residence_code_non_normalized>
</CAIS_Holder_Address_Details>
<CAIS_Holder_Phone_Details>
<Telephone_Number>XXXX</Telephone_Number>
<Telephone_Type>02</Telephone_Type>
<Telephone_Extension></Telephone_Extension>
<Mobile_Telephone_Number></Mobile_Telephone_Number>
<FaxNumber></FaxNumber>
<EMailId></EMailId>
</CAIS_Holder_Phone_Details>
<CAIS_Holder_ID_Details>
<Income_TAX_PAN>XXXX</Income_TAX_PAN>
<PAN_Issue_Date></PAN_Issue_Date>
<PAN_Expiration_Date></PAN_Expiration_Date>
<Passport_Number></Passport_Number>
<Passport_Issue_Date></Passport_Issue_Date>
<Passport_Expiration_Date></Passport_Expiration_Date>
<Voter_ID_Number></Voter_ID_Number>
<Voter_ID_Issue_Date></Voter_ID_Issue_Date>
<Voter_ID_Expiration_Date></Voter_ID_Expiration_Date>
<Driver_License_Number></Driver_License_Number>
<Driver_License_Issue_Date></Driver_License_Issue_Date>
<Driver_License_Expiration_Date></Driver_License_Expiration_Date>
<Ration_Card_Number></Ration_Card_Number>
<Ration_Card_Issue_Date></Ration_Card_Issue_Date>
<Ration_Card_Expiration_Date></Ration_Card_Expiration_Date>
<Universal_ID_Number></Universal_ID_Number>
<Universal_ID_Issue_Date></Universal_ID_Issue_Date>
<Universal_ID_Expiration_Date></Universal_ID_Expiration_Date>
<EMailId></EMailId>
</CAIS_Holder_ID_Details>
<Account_Review_Data>
<Year>2026</Year>
<Month>4</Month>
<Account_Status>11</Account_Status>
<Actual_Payment_Amount></Actual_Payment_Amount>
<Current_Balance>8202553</Current_Balance>
<Credit_Limit_Amount>9191151</Credit_Limit_Amount>
<Amount_Past_Due>0</Amount_Past_Due>
<Cash_Limit></Cash_Limit>
<EMI_Amount></EMI_Amount>
</Account_Review_Data>
</CAIS_Account_DETAILS>
</CAIS_Account>
<Match_result>
<Exact_match>Y</Exact_match>
</Match_result>
<TotalCAPS_Summary>
<TotalCAPSLast7Days>53</TotalCAPSLast7Days>
<TotalCAPSLast30Days>53</TotalCAPSLast30Days>
<TotalCAPSLast90Days>55</TotalCAPSLast90Days>
<TotalCAPSLast180Days>57</TotalCAPSLast180Days>
</TotalCAPS_Summary>
<CAPS>
<CAPS_Summary>
<CAPSLast7Days>0</CAPSLast7Days>
<CAPSLast30Days>0</CAPSLast30Days>
<CAPSLast90Days>2</CAPSLast90Days>
<CAPSLast180Days>4</CAPSLast180Days>
</CAPS_Summary>
<CAPS_Application_Details>
<Subscriber_code>XXXX</Subscriber_code>
<Subscriber_Name>XXXXXXXXXX</Subscriber_Name>
<Date_of_Request>20260215</Date_of_Request>
<ReportTime>160438</ReportTime>
<ReportNumber>XXXX</ReportNumber>
<Enquiry_Reason>13</Enquiry_Reason>
<Finance_Purpose></Finance_Purpose>
<Amount_Financed>5000</Amount_Financed>
<Duration_Of_Agreement>6</Duration_Of_Agreement>
</CAPS_Application_Details>
</CAPS>
<NonCreditCAPS>
<NonCreditCAPS_Summary>
<NonCreditCAPSLast7Days>53</NonCreditCAPSLast7Days>
<NonCreditCAPSLast30Days>53</NonCreditCAPSLast30Days>
<NonCreditCAPSLast90Days>53</NonCreditCAPSLast90Days>
<NonCreditCAPSLast180Days>53</NonCreditCAPSLast180Days>
</NonCreditCAPS_Summary>
<CAPS_Application_Details>
<Subscriber_code>NBF2445</Subscriber_code>
<Subscriber_Name>Weekline Investment and Trading Company Limited</Subscriber_Name>
<Date_of_Request>20260419</Date_of_Request>
<ReportTime>174702</ReportTime>
<ReportNumber>1776601022304</ReportNumber>
<Enquiry_Reason>6</Enquiry_Reason>
<Finance_Purpose>22</Finance_Purpose>
<Amount_Financed>0</Amount_Financed>
<Duration_Of_Agreement>1</Duration_Of_Agreement>
</CAPS_Application_Details>
</NonCreditCAPS>
<SCORE>
<BureauScore>684</BureauScore>
<BureauScoreConfidLevel></BureauScoreConfidLevel>
</SCORE>
</INProfileResponse>
</processReturn></processResponse></soapenv:Body></soapenv:Envelope>