CIBIL Credit Report Code Examples

curl -X POST https://app.way2api.com/api/v1/credit-report-cibil/fetch-report \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"name":"Ananya Sharma","mobile":"9876543210","pan":"ABCDE1234F","gender":"female","consent":"Y"}'

$ch = curl_init('https://app.way2api.com/api/v1/credit-report-cibil/fetch-report');
curl_setopt_array($ch, [
    CURLOPT_RETURNTRANSFER => true,
    CURLOPT_POST           => true,
    CURLOPT_HTTPHEADER     => [
        'Authorization: Bearer YOUR_API_KEY',
        'Content-Type: application/json',
    ],
    CURLOPT_POSTFIELDS     => json_encode(['name' => 'Ananya Sharma', 'mobile' => 9876543210, 'pan' => 'ABCDE1234F', 'gender' => 'female', 'consent' => 'Y']),
]);
$response = json_decode(curl_exec($ch), true);
curl_close($ch);

const res = await fetch('https://app.way2api.com/api/v1/credit-report-cibil/fetch-report', {
    method: 'POST',
    headers: {
        'Authorization': 'Bearer YOUR_API_KEY',
        'Content-Type': 'application/json',
    },
    body: JSON.stringify({"name":"Ananya Sharma","mobile":"9876543210","pan":"ABCDE1234F","gender":"female","consent":"Y"}),
});
const data = await res.json();
console.log(data);

$.ajax({
    url:         'https://app.way2api.com/api/v1/credit-report-cibil/fetch-report',
    method:      'POST',
    headers:     { 'Authorization': 'Bearer YOUR_API_KEY' },
    contentType: 'application/json',
    data:        JSON.stringify({"name":"Ananya Sharma","mobile":"9876543210","pan":"ABCDE1234F","gender":"female","consent":"Y"}),
    success: function(data) { console.log(data); },
    error:   function(xhr)  { console.error(xhr.responseJSON); },
});

const { data } = await axios.post('https://app.way2api.com/api/v1/credit-report-cibil/fetch-report', {"name":"Ananya Sharma","mobile":"9876543210","pan":"ABCDE1234F","gender":"female","consent":"Y"}, {
    headers: { 'Authorization': 'Bearer YOUR_API_KEY' },
});
console.log(data);

import requests

url = 'https://app.way2api.com/api/v1/credit-report-cibil/fetch-report'
headers = {
    'Authorization': 'Bearer YOUR_API_KEY',
    'Content-Type': 'application/json',
}
payload = {
    'name': 'Ananya Sharma',
    'mobile': '9876543210',
    'pan': 'ABCDE1234F',
    'gender': 'female',
    'consent': 'Y'
}
response = requests.post(url, json=payload, headers=headers)
data = response.json()
print(data)

{
    "status": "SUCCESS",
    "status_code": 200,
    "charged": true,
    "success": true,
    "message": "",
    "message_code": "OK",
    "order_id": "W2A1739512345abcdef01",
    "data": {
        "order_id": "W2A1739512345abcdef01",
        "result": {
            "name": "ANANYA SHARMA",
            "mobile": "9876543210",
            "pan": "ABCDE1234F",
            "gender": "female",
            "credit_score": 762,
            "report": {
                "control_number": "5123456789",
                "scored_on": "2026-09-19"
            },
            "scores": [
                {
                    "score": 762,
                    "model": "CIBILTransUnionScore3",
                    "scored_on": "2026-09-19",
                    "reason_codes": [
                        "14",
                        "39"
                    ]
                }
            ],
            "names": [
                {
                    "name": "ANANYA SHARMA",
                    "date_of_birth": "1992-04-18",
                    "gender": "female"
                }
            ],
            "identities": [
                {
                    "type": "pan",
                    "number": "ABCDE1234F"
                }
            ],
            "phones": [
                {
                    "number": "9876543210",
                    "type": "mobile"
                }
            ],
            "emails": [
                "[email protected]"
            ],
            "addresses": [
                {
                    "line_1": "FLAT 402 EXAMPLE RESIDENCY",
                    "line_2": "12 MG ROAD INDIRANAGAR",
                    "state_code": "29",
                    "pincode": "560038",
                    "category": "residence",
                    "residence_type": "",
                    "reported_on": "2026-08-31"
                }
            ],
            "employment": [
                {
                    "employer": "",
                    "account_type": "credit_card",
                    "occupation": "salaried",
                    "income": null,
                    "income_frequency": "",
                    "income_basis": "",
                    "reported_on": "2026-08-31"
                }
            ],
            "summary": {
                "total_accounts": 2,
                "overdue_accounts": 0,
                "zero_balance_accounts": 0,
                "sanctioned_amount": 496000,
                "current_balance": 206710,
                "overdue_balance": 0,
                "latest_opened_on": "2024-03-05",
                "oldest_opened_on": "2021-06-14"
            },
            "enquiry_summary": {
                "total": 1,
                "last_30_days": 0,
                "last_12_months": 0,
                "last_24_months": 0,
                "latest_enquiry_on": "2024-02-27"
            },
            "accounts": [
                {
                    "lender": "EXAMPLE BANK",
                    "account_number": "XXXXXXXXXXXX1234",
                    "account_type": "credit_card",
                    "ownership": "individual",
                    "credit_facility_status": "",
                    "suit_filed_status": "",
                    "opened_on": "2021-06-14",
                    "closed_on": "",
                    "reported_on": "2026-08-31",
                    "last_payment_on": "2026-08-12",
                    "payment_history_from": "2026-06-01",
                    "payment_history_to": "2026-08-01",
                    "sanctioned_amount": 96000,
                    "credit_limit": null,
                    "cash_limit": 38000,
                    "current_balance": 24310,
                    "amount_overdue": 0,
                    "last_payment_amount": 18500,
                    "emi_amount": null,
                    "interest_rate": null,
                    "tenure_months": null,
                    "payment_frequency": "",
                    "written_off_total": null,
                    "written_off_principal": null,
                    "settlement_amount": null,
                    "collateral_type": "",
                    "collateral_value": null,
                    "payment_history": "000000000",
                    "monthly_history": [
                        {
                            "month": "2026-08",
                            "status": "0",
                            "days_past_due": 0,
                            "asset_classification": ""
                        },
                        {
                            "month": "2026-07",
                            "status": "0",
                            "days_past_due": 0,
                            "asset_classification": ""
                        },
                        {
                            "month": "2026-06",
                            "status": "0",
                            "days_past_due": 0,
                            "asset_classification": ""
                        }
                    ]
                },
                {
                    "lender": "EXAMPLE FINANCE",
                    "account_number": "XXXXXXXX5678",
                    "account_type": "personal_loan",
                    "ownership": "individual",
                    "credit_facility_status": "",
                    "suit_filed_status": "",
                    "opened_on": "2024-03-05",
                    "closed_on": "",
                    "reported_on": "2026-08-31",
                    "last_payment_on": "2026-08-05",
                    "payment_history_from": "2026-06-01",
                    "payment_history_to": "2026-08-01",
                    "sanctioned_amount": 400000,
                    "credit_limit": null,
                    "cash_limit": null,
                    "current_balance": 182400,
                    "amount_overdue": 0,
                    "last_payment_amount": 11250,
                    "emi_amount": 11250,
                    "interest_rate": 13.5,
                    "tenure_months": 48,
                    "payment_frequency": "monthly",
                    "written_off_total": null,
                    "written_off_principal": null,
                    "settlement_amount": null,
                    "collateral_type": "",
                    "collateral_value": null,
                    "payment_history": "000000000",
                    "monthly_history": [
                        {
                            "month": "2026-08",
                            "status": "0",
                            "days_past_due": 0,
                            "asset_classification": ""
                        },
                        {
                            "month": "2026-07",
                            "status": "0",
                            "days_past_due": 0,
                            "asset_classification": ""
                        },
                        {
                            "month": "2026-06",
                            "status": "0",
                            "days_past_due": 0,
                            "asset_classification": ""
                        }
                    ]
                }
            ],
            "enquiries": [
                {
                    "enquired_on": "2024-02-27",
                    "member": "EXAMPLE FINANCE",
                    "purpose": "personal_loan",
                    "amount": 400000
                }
            ]
        }
    }
}