Bureau Mobile BRE — Request¶
Provides decision based on the Mobile & Bureau Intelligence (Credit Bureau + BureauGator + MobileGator).
Endpoint¶
Authentication¶
Refer to the BRE API authentication for headers required on all requests.
📖 Reference
The bureau-related input parameters are derived from BureauGator. Refer to BureauGator → Insights → Request Parameters for the full list of supported fields and their descriptions.
Request Body¶
⚠️ Note
The
input_datadiffers based on how the bureau data is passed.
Bureau API called from within the workflow¶
{
"user_id": "<user_id>",
"reference_id": "<reference_id>",
"input_data": {
"lead_id": "<lead_id>",
"app_user_id": "<app_user_id>",
"declared_income": <income>,
"pan_number": "<pan_number>",
"name_aadhar": "<name_aadhar>",
"address_aadhar": "<address_aadhar>",
"state_aadhar": "<state_aadhar>",
"city_aadhar": "<city_aadhar>",
"pincode_aadhar": "<pincode_aadhar>",
"phone": "<PHONE>",
"pan_name": "<PAN_NAME>",
"dob": "<DOB>",
"profession": "<profession>",
"salary_source": "<salary_source>",
"declared_income": "<declared_income>",
"loan_purpose": "<loan_purpose>",
"income_type": "<income_type>",
"gender": "<gender>"
}
}
Bureau API called externally¶
{
"user_id": "<user_id>",
"reference_id": "<reference_id>",
"input_data": {
"lead_id": "<lead_id>",
"app_user_id": "<app_user_id>",
"declared_income": <income>,
"external": {
"bureau_type": "<bureau_format_name>",
"bureau_raw_json": "<base64_encoded_raw_bureau_report>"
}
}
}
⚠️ Note
We support multiple bureau formats. Please explore the format types for each bureau to find the one that matches your report structure and will go as
bureau_format_namein request_payload:
- CIBIL (TransUnion): View supported formats - JSON format with TUEF structure
- CRIF: View supported formats - Multiple JSON variations and XML formats
- Experian: View supported formats - JSON and XML formats with CAIS/CAPS structure
- Equifax: View supported formats - JSON formats with ERS scoring
If none of these formats match your bureau report structure, please send your sample bureau report file to tech@credeau.com for format analysis and support.
Encoding a bureau report (Python):
import base64
def encode_base64(data: str, encoding: str='utf-8') -> str:
'''
Convert given string into base64 encoded string
'''
b64_encoded_data = base64.b64encode(bytes(data, encoding=encoding))
return b64_encoded_data.decode(encoding)
Input Data Parameters¶
| Parameter | Type | Required | Description |
|---|---|---|---|
lead_id |
string | Yes | Unique identifier for the lead |
app_user_id |
string | Yes | MobileGator SDK user identifier |
declared_income |
number | Yes | Declared income of the applicant |
pan_number |
string | Conditional | PAN number (required when bureau called within workflow) |
name_aadhar |
string | Conditional | Name as per Aadhaar |
address_aadhar |
string | Conditional | Address as per Aadhaar |
state_aadhar |
string | Conditional | State as per Aadhaar |
city_aadhar |
string | Conditional | City as per Aadhaar |
pincode_aadhar |
string | Conditional | Pincode as per Aadhaar |
phone |
string | Conditional | Phone number of the applicant |
pan_name |
string | Conditional | Name as per PAN |
dob |
string | Conditional | Date of birth of the applicant |
profession |
string | Conditional | Profession of the applicant |
salary_source |
string | Conditional | Source of salary |
loan_purpose |
string | Conditional | Purpose of the loan |
income_type |
string | Conditional | Type of income |
gender |
string | Conditional | Gender of the applicant |
external.bureau_type |
string | Conditional | Bureau format name (required when bureau called externally) |
external.bureau_raw_json |
string | Conditional | Base64 encoded raw bureau report |
Next¶
See Bureau Mobile BRE — Response for the response structure.