Introduction to Verifyal’s Credit Score API

Verifyal’s Credit Score API is an essential tool for banks, NBFCs, credit card companies, and digital lending platforms to evaluate the creditworthiness of individuals and businesses before extending financial services.

This powerful API provides instant access to verified credit scores, enabling faster decision-making, reduced lending risk, and improved fraud prevention.

By automating credit data retrieval from trusted credit bureaus, Verifyal helps financial institutions make smarter, data-driven lending decisions — enhancing operational efficiency and supporting compliance.

Whether you’re assessing new customers or managing risk, Verifyal’s Credit Score API is the trusted solution for secure, accurate, and scalable credit checks.

Benefits of Verifying with Our API

Real-Time Verification

Instantly access CIBIL scores, identity checks, and financial data with zero delays.

Enhanced Security & Fraud Prevention

Detect anomalies early and reduce fraud risks with robust, compliant verification.

Lightning-Fast Integration

Developer-friendly RESTful APIs with sandbox access for easy testing and quick deployment.

Comprehensive Data Access

Instantly access CIBIL scores, identity checks, and financial data with zero delays.

Smarter Decision Making

Use verified data to automate onboarding, credit assessment, and risk profiling

Trusted by Financial Institutions

Built on 5+ years of experience serving banks, NBFCs, fintechs, and enterprises.

Have Questions? We’ve Got the Answers Here

Our guide to Frequently Asked Questions. Explore answers to common queries and empower your decision-making for a seamless collaboration.

A Credit Score Check API is a digital tool that enables businesses to access a person’s credit score in real time by integrating directly with regulated credit bureaus. It helps lenders and financial institutions assess the creditworthiness of borrowers instantly and accurately.
The API takes basic user inputs like Full Name, PAN Number, and Mobile Number. It then fetches the verified credit score from a trusted credit bureau (like CIBIL, Equifax, or Experian) and delivers the result in a structured JSON format, ready for use in lending platforms or CRM systems.
Instant credit score retrieval, Automated decision-making workflows, Reduced risk of lending to defaulters, Enhanced fraud detection, Improved customer onboarding speed, Better compliance with credit assessment standards
Yes. Verifyal’s API is fully compliant with Indian data protection laws and integrates with RBI-authorized credit bureaus. All data is encrypted, and access is restricted to authorized, consent-based use only.
You’ll receive the individual’s credit score along with additional insights such as: Credit age, Payment history, Open and closed accounts, Credit inquiries, Utilization ratio, if available

Credit Score Check API by Verifyal