Credit ratings of individuals
The credit rating services on individuals enable your company to easily search for a customer’s account information and debt collection status via OK Perintä’s interfaces. You can use and enrich the data as part of your credit-granting process. The use of credit ratings requires that the user has granted consent for the use of data.
Evaluate your consumer-customers’ solvency effectively
Evaluating the solvency of consumers is a key aspect of minimising risks and granting credit responsibly. OK Perintä’s solutions provide companies with a straightforward way of searching for the account information and debt collection statuses of consumer-customers using separate interfaces.
The service consists of two separate REST interfaces:
- The Account Information API, which returns a user’s personal account information and transaction history
- The data is retrieved via the user’s selected bank
- The Collection Status API, which returns a user’s debt collection status
- The data is retrieved from OK Perintä’s database
These interfaces operate independently and offer an easy way to use data in your company’s online store or mobile app.
Requests sent to the credit information interfaces must include information confirming that the user has granted consent, as well as the authenticated user’s identification. The client is responsible for ensuring that the information is valid and supplied with every API call.