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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

Choosing Verifyal’s Verification APIs gives your business a competitive edge with speed, accuracy, and security. Here’s what you gain:

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

Access 300+ APIs covering credit, identity, PAN, Aadhaar, bank account validation, and more.

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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.

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Frequently asked questions

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

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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

Get Your Free API Key Today with Verifyal

Unlock instant access to 60+ powerful verification APIs, including CIBIL score checks, to streamline your KYC/KYB processes effortlessly. With Verifyal, you can:

Test all APIs in a secure sandbox environment before going live.
Experience seamless integration with our developer-first documentation.
Get 24/7 expert support to ensure smooth implementation.
Boost your onboarding efficiency with real-time CIBIL and financial verification APIs.

Start for free today and elevate your verification workflows with Verifyal — Your trusted API partner.

Build With Verifyal

We’d love to show you how Verifyal’s powerful CIBIL and verification APIs can elevate your business. Fill out the form below, and our team will connect with you within 24 hours to get you started.

Credit Score Check API by Verifyal

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Introduction to Verifyal’s Credit Score API