Intro

API to query Reporte de crédito by kiban - Personas Físicas (Consumers' database).
The response contains the specific files sent to and received a request from the specific SIC.

Important points

productoRequerido

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About Producto Requerido
You need to select the product you want to query in this catalog.

Mandatory Fields

In the mandatory fields only example, you can see within the "Nombre" section, the fields "apellidoMaterno" and "segundoNombre". If the individual you want to check, doesn't have a "apellidoMaterno" or "segundoNombre" please leave the fields blank.

Authorization

You will notice in the mandatory fields, "tipo" and "id" within an authorization segment:

 "authorization": {
    "tipo": "nip",
    "id": "645a74e7dda9781161e787b"
  }

"Tipo" should always be filled with "nip" and "id" by the response of the validate nip call

To obtain the id in the validate nip call, it is mandatory to have performed the complete NIP Bureaus process

Origen del domicilio

The field "origenDomicilio" of the "Domicilio" section is optional. If it is not sent, we will consider the default value "MX" for this field.

Test cases

We included a query param in Sandbox so you can query test cases that we created to run tests.
In order to obtain the response you shall fill the query param with:

completo: it sends back a response with all existing fields
bloqueado: it sends back an answer when the credit report has been blocked by the consumer. For more information on that feature, please refer to your Buró de Crédito contact.
nipInvalido: it sends back an answer indicating that the provided NIP was incorrect.
score_no_disponible: example when the response for the credit report was correct but the Score was not available to generate a success score response.

Quick tip

You can send a unique ID in "numeroReferenciaOperador" to identify the query and associate it to your client.
You will receive the same ID in the response "numeroReferenciaOperador".

Data cleaning

Before sending the data to Buró de Crédito, kiban cloud performs data cleaning, necessary to prevent Buró de Crédito from sending back an error.

Here are the validations and transformations we are performing:

Validate that the data you included is alphabetical.
Remove the accents.
Replace the letter Ñ by N.
Remove the special characters.
Put letters in uppercase.
Remove spaces at the beginning and end of values (trimming).
Allow compound surnames, for example, Del Toro.
Do not allow two names in the primerNombre field.
Remove commas from the address field.
Split the address if it is greater than 40 characters : we then send the address in two different fields (40 caracteres max per field) to Buró de Crédito.

If you detect transformation in the data that you included in your call, this is because of the rules mentioned above, required to make a successful call to Buró de Crédito.