Intro

API to query Buró de crédito - Personas Físicas kiban (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

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Certification
In order to run this API in production, you must have completed the certification process described in the following certification link, otherwise your request will be rejected, and you will get the "Certification required" example as error response.

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 have included a query parameter in Sandbox to enable you to query the test cases that we created for running tests. To get a response, fill the testCaseId parameter with any of the following cases:

Num	Id	Name	Description
1	663567bb713cf2110a110689	Consulta reporte de crédito por kiban	Successful credit report response
2	663567bb713cf2110a110688	NIP inválido	Indicates that the PIN used to authenticate the query is not valid
3	663567bb713cf2110a11068a	Score no disponible	Indicates that the person was consulted, but there was an error when recovering the score

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You can also create your own test cases
You can create your own test cases with our test case link module and you will be able to receive these cases in your responses, you just have to enter the id of your test case as a testCaseId parameter.
For more information visit our knowledge center to know more about test cases

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 don't send the number in the "dirección" field, we add SN at the end by default, to comply with BC rules.

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.