Welcome to the World of Digital Fintech ERA

A Comprehensive Solution for financial credits details verification to provide the loan and advances securely to your customer's with Enhanced Due Diligence.

Key Benefits of Using IDSPay’s Crif Report API
✅️ Verified data directly from Crif High Mark
✅️ 99.9% uptime with secure authentication
✅️ Developer-friendly API documentation
✅️ Ideal for NBFCs, fintech startups, digital lenders, and microfinance companies

Introduction

The CRIF Credit Report API by IDSPay allows banks, NBFCs, and fintech platforms to instantly fetch verified credit reports and scores from CRIF High Mark, one of India’s leading credit bureaus. With this real-time Credit Score API, lenders can automate customer verification, assess risk accurately, and make faster loan decisions with 100% secure and compliant data.

Designed for seamless API integration, it helps financial institutions reduce defaults, speed up credit approvals, and enhance user trust — making it the most reliable CRIF Credit Report API in India for digital lending and credit analysis.

Unlock the power of reliable credit insights to mitigate risk, reduce defaults, and build trust with your customers.

Benefits of High-Mark-credit Report API

Instant Credit Insights

Access real-time credit reports and scores for quick and informed lending decisions.

Trusted Data Source

Leverages reliable data from High Mark, a leading credit bureau in India.

Automated Credit Assessment

Streamlines credit evaluation by automating report retrieval within your workflows.

Comprehensive Credit Profiles

Includes repayment history, loan accounts, credit utilization, and inquiry details.

What Is High-Mark-credit Report API , and Why Use It?

The High Mark Credit Report API is a secure, consent-driven service that provides real-time access to an individual’s credit report and credit score directly from High Mark, one of India’s leading credit bureaus. It delivers comprehensive credit data including repayment history, loan accounts, credit utilization, and recent credit inquiries.

Key features of High-Mark-credit Report API

Real-Time Credit Report Access

Provides instant retrieval of credit reports and scores from High Mark.

Consent-Driven Data Access

Requires explicit user consent before accessing credit information, ensuring compliance.

Comprehensive Credit Information

Includes credit score, repayment history, open/closed accounts, credit utilization, and inquiry records.

PAN-Based Lookup

Supports credit report retrieval using the individual’s PAN for accurate identification.

Frequently asked questions?

Still have any question? Please contact our sales team

Contact our sales team

What is the High Mark Credit Report API?

It’s an API that provides real-time access to credit reports and scores from High Mark credit bureau with user consent.

What information is included in the credit report?

The report contains credit score, repayment history, loan accounts, credit utilization, and recent credit inquiries.

Is user consent required to access the credit report?

Yes, explicit user consent is mandatory before retrieving credit information to comply with regulations.

Can the API handle bulk credit report requests?

Yes, it supports bulk or batch processing for multiple credit report retrievals.

How secure is the data transmission?

All data is encrypted during transmission to ensure privacy and security.

Which identifiers are used to fetch credit reports?

Typically, the Permanent Account Number (PAN) is used to retrieve credit reports.