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Fetch credit scores or full detailed reports with PDF from CRIF, TransUnion CIBIL, Experian & Equifax — in under 3 seconds. Direct bureau integration with consent-based API, no customer OTP needed.
Access credit data from every licensed bureau in India through our unified API.
Microfinance & MSME focused with extensive rural coverage
India's oldest bureau with comprehensive consumer data
Global credit reporting with advanced analytics
International bureau with deep credit insights
Built for businesses that need reliable, fast credit data access with full billing compliance.
Fetch credit reports instantly without customer OTP verification. Direct bureau integration via consent-based API.
Single integration for all RBI-registered bureaus — Experian, TransUnion CIBIL, CRIF High Mark & Equifax.
Choose between a quick credit score check or a full detailed report with downloadable PDF — per bureau.
Pre-paid wallet system with per-pull deduction. GST-compliant invoices auto-generated for every transaction.
Enable your partners to pull reports through your platform. Set custom margins and earn on every request.
API Key + HMAC-SHA256 signature + Tenant Code verification with IP whitelisting and rate limiting.
Single API integration for all 4 bureaus. Fetch credit scores or full PDF reports with wallet-based billing and GST-compliant invoicing — all through one endpoint.
/api/v1/ucb/bureaus
/api/v1/ucb/pricing
/api/v1/ucb/request
/api/v1/ucb/requests
HMAC = SHA256(timestamp + method + endpoint + body, api_secret) • Timestamp valid for 5 minutes
POST /api/v1/ucb/request Content-Type: application/json X-API-Key: your_api_key X-Signature: hmac_sha256_hash X-Timestamp: 1713400000 X-Tenant-Code: 123456 { "bureau": "cibil", "service": "report", "pan": "ABCDE1234F", "name": "Rajesh Kumar", "mobile": "9876543210", "gender": "male" }
{
"success": true,
"message": "Credit check completed",
"data": {
"request_uid": "UCR260417A3B2C1",
"bureau": {
"code": "cibil",
"name": "TransUnion"
},
"credit_score": 782,
"pdf_url": "https://cdn.../report.pdf",
"amount_charged": 59.00
}
}
Credit data powers critical business decisions across industries.
Pre-approve loans based on credit history
Screen rental applicants
Assess business creditworthiness
Risk-based premium calculation
Background checks for sensitive roles
Enrich customer profiles
Credit scores in India range from 300 to 900. A higher score indicates better creditworthiness and increases chances of loan approval with favorable terms.
Allow your B2B customers to pull credit reports through your platform. Set a custom margin percentage and earn on every report pulled — with automated dual-wallet billing.
Dual wallet deduction per credit pull
We are Data Fetchers Only: Vistarkriya acts solely as a technology intermediary that fetches credit reports from RBI-registered Credit Information Companies on your behalf. We do not generate, modify, or store credit scores.
Mandatory Customer Consent: You MUST obtain explicit, documented consent from every individual before fetching their credit report. This consent must be stored and producible on demand as per RBI and CIC guidelines.
Credit Enquiry Impact: Each credit report fetch creates an enquiry on the customer's credit file. Multiple enquiries in a short period may negatively impact their credit score. Use discretion and fetch only when necessary.
Non-Refundable Charges: Bureau charges apply per API call regardless of outcome. Charges are non-refundable for incorrect PAN, name mismatch, no credit history, or any API failure.
Simple pre-paid wallet billing with GST-compliant invoices generated automatically for every transaction.
Amount deducted from your wallet before the bureau API call. Top up anytime, pay only when you pull.
GST-compliant invoice generated for every credit pull — with CGST/SGST or IGST based on your billing state.
Bureau charges apply per API call regardless of outcome. Non-refundable for wrong PAN, name mismatch, or no credit history.
Two service tiers: Credit Score Check (lower cost) and Full Report with PDF (includes detailed credit history, accounts, and downloadable PDF).
Wallet deduction first: Your wallet balance is checked and deducted before the API call is made to the bureau.
Pricing per bureau: Each bureau has its own pricing for score and report services. Tenant-specific deals may apply.
B2B dual billing: For partner requests, your customer's wallet is deducted first (with your margin), then your admin wallet is deducted at platform rate.
Start fetching credit reports from all 4 bureaus today. No OTP required, instant API integration.
No credit card required • Sandbox environment included • 24/7 support