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Credit Decision Person

Automated credit decisions if the person is to be granted a loan, credit or invoice.

Credit Decision Person

[se]
Requires addon

Documentation

The Credit Decision Person API helps businesses assess financial reliability and creditworthiness quickly, enabling informed, secure decisions that protect cash flow and reduce risk. By automating credit checks, companies can improve compliance, streamline due diligence, and enhance their customer experience.

With this API, you can: -Perform fast credit checks based on customizable credit templates

  • Automate credit decisions with predefined parameters
  • Integrate seamlessly into existing systems to reduce manual handling and improve efficiency

Use case:

A supplier uses the Credit Decision Person API to automatically assess the creditworthiness of potential customers, speeding up the onboarding process, reducing the risk of financial losses, and improving the customer experience.

Please Notice

The following api call executes a credit decision processed by our partner CreditSafe; they help us to deliver reliable credit decision data. According to the Credit Disclosure Act (Kreditupplysningslagen), Creditsafe is required to send out a request copy every time a credit report is issued about a private person, individual company and trade and limited liability company (Privatperson, Enskild firma, Handelsbolag, Kommanditbolag).

Rejection Codes

If a person is not active, one of the following rejection/status codes are returned.

Kod
Beskrivning Engelska
BeskrivningSvenska
S2Protected SkyddadSkyddad
S3LockedSpärrad
S4DeceasedAvliden
S5Removed from registerTekniskt avregistrerad
S6EmigratedUtvandrad
S7Social security number changedPersonnummerbyte

Endpoints

Check credit decision of person

gethttps://api.roaring.io/se/person/credit-decision/1.0/{personalNumber}

Parameters path

personalNumber

required

string
Identification of person
Parameters query
template
string
Credit decision template
Response schema: application/json
  • address
    string
    No description provided.
  • coAddress
    string
    No description provided.
  • firstName
    string
    No description provided.
  • givenName
    string
    No description provided.
  • lastName
    string
    No description provided.
  • personalNumber
    string
    Person identifier
  • registeredAddress
    string
    No description provided.
  • statusCode
    string
    Credit decision outcome. Can return 1, 2 or 4, which corresponds to Approved, Not Approved and Trial.
    Enum: "1","2","4"
  • statusText
    string
    Status text of code.
    Enum: "Approved","Not Approved","Trial"
  • town
    string
    No description provided.
  • zipCode
    string
    No description provided.