CRIF Person Report

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Access via API to CRIF's Credit Information System database

Check an individual's credit standing, current credit facilities, any outstanding loans or reports with EURISC

Go to the Documentation
Esempio CRIF Person Report

The CRIF Visura provides access to the database at the CRIF Credit Information System (EURISC), which contains information that measures the credit risk of individuals who apply for and obtain financing provided by Banks and Finance Companies.

EURISC is a positive and negative type of system, i.e., there is information on loan applications and disbursements to individuals and businesses regardless of whether repayment has been regular or not.

The data of an individual or legal entity are disclosed in EURISC in the following situations:

  • when processing a new loan, if the bank or finance company intends to consult your data to evaluate your application;
  • at the moment when your application is accepted and the financing is disbursed;
  • when updating, usually monthly, with data on repayment progress.

In the SCI, data are recorded not only of the applicant for financing but also of:

  • those who apply to establish or who are parties to a credit relationship with a participating institution
  • Is a co-obligor, including jointly and severally
  • is an assigned third party, in the case of credit assignments or payment extensions
  • is a corporate officer or equity participant of the company that is party to a claim or credit relationship
  • is otherwise economically or legally related to the person acting within the scope of his or her business or professional activity and who is a party to a claim or credit relationship, whose position is clearly distinct from that of the principal debtor

1) Request a CRIF company Report
POST /IT-crif-persona/

To make the CRIF Company request, it is necessary to go through a series of fields with ID and social security number/health card in a PDF view. The correct endpoint is https://risk.openapi.com/IT-crif-persona/

EXAMPLE CALL

{
  "first_name": "mario",
  "last_name": "rossi",
  "birth_date": "1990-04-28",
  "gender": "m",
  "fiscal_code": "mrrrss89d28l117d",
  "birth_city": "terni",
  "birth_province": "tr",
  "birth_country": "italia",
  "residence_address": "via rossini",
  "residence_street_number": "2",
  "residence_city": "terni",
  "residence_postal_code": "05100",
  "residence_province": "tr",
  "residence_country": "italia",
  "document_type": "PATENTE",
  "document_number": "RT5677UI",
  "release_date": "2001-12-31",
  "expiration_date": "2030-12-31",
  "release_city": "terni",
  "release_province": "tr",
  "public_authority": "mctc",
  "document_file": "JVBERi0xLjMKMyAwIG9iago8PC9UeXBlIC9QYWdlCi9QYXJlbnQgMSAwIFIKL1Jlc291cmNlcyAyIDAgUgovQ29udGVudHMgNCAwIFI+PgplbmRvYmoKNCAwIG9iago8PC9GaWx0ZXIgL0ZsYXRlRGVjb2RlIC9MZW5ndGggMjg1NT4+CnN0cmVhbQp4nKVa2XLjuBV976+4b85UeWCCO3teAlOQGgkXNUl5qlzzoliyw5QsTiT1TFV/TT4tn5ILgJvctgg7L6bF7dxz9wvQhr",
  "health_insurance_card_file": "JVBERi0xLjQKMSAwIG9iago8PAovVGl0bGUgKP7/AFAAUgBPAEMAVQBSAEEpCi9DcmVhdG9yICj+/wB3AGsAaAB0AG0AbAB0AG8AcABkAGYAIAAwAC4AMQAyAC4ANikKL1Byb2R1Y2VyICj+/wBRAHQAIAA0AC4AOAAuADcpCi9DcmVhdG",  
  "callback": {
    "url": "https://mysite.com/test.php",
    "method": "POST",
    "field": "data",
    "headers": {
      "session_id": "oiwejdf89453urf945jfg"
    }
  }
}


EXAMPLE RESPONSE

Among other things, the response will return the status and id of the request:

{
  "first_name": "mario",
  "last_name": "rossi",
  "birth_date": "1990-04-28",
  "gender": "m",
  "fiscal_code": "mrrrss89d28l117d",
  "birth_city": "terni",
  "birth_province": "tr",
  "birth_country": "italia",
  "residence_address": "via rossini",
  "residence_street_number": "2",
  "residence_city": "terni",
  "residence_postal_code": "05100",
  "residence_province": "tr",
  "residence_country": "italia",
  "document_type": "PATENTE",
  "document_number": "RT5677UI",
  "release_date": "2001-12-31",
  "expiration_date": "2030-12-31",
  "release_city": "terni",
  "release_province": "tr",
  "public_authority": "mctc",
  "document_file": "JVBERi0xLjMKMyAwIG9iago8PC9UeXBlIC9QYWdlCi9QYXJlbnQgMSAwIFIKL1Jlc291cmNlcyAyIDAgUgovQ29udGVudHMgNCAwIFI+PgplbmRvYmoKNCAwIG9iago8PC9GaWx0ZXIgL0ZsYXRlRGVjb2RlIC9MZW5ndGggMjg1NT4+CnN0cmVhbQp4nKVa2XLjuBV976+4b85UeWCCO3teAlOQGgkXNUl5qlzzoliyw5QsTiT1TFV/TT4tn5ILgJvctgg7L6bF7dxz9wvQhr",
  "health_insurance_card_file": "JVBERi0xLjQKMSAwIG9iago8PAovVGl0bGUgKP7/AFAAUgBPAEMAVQBSAEEpCi9DcmVhdG9yICj+/wB3AGsAaAB0AG0AbAB0AG8AcABkAGYAIAAwAC4AMQAyAC4ANikKL1Byb2R1Y2VyICj+/wBRAHQAIAA0AC4AOAAuADcpCi9DcmVhdG",
   "callback": {
    "url": "https://mysite.com/test.php",
    "method": "POST",
    "field": "data",
    "headers": {
      "session_id": "oiwejdf89453urf945jfg"
    },
    "data": {}
  },
  "state": "in_lavorazione",
  "creation_timestamp": 1685532040,
  "last_update_timestamp": 1685532040,
  "owner": "[email protected]",
  "id": "64772d88496e98e849017aa8"
},
"success": true,
"message": "",
"error": null
}


2) Download the authorization document
GET /IT-crif-persona/{id}/delega

When the request has been sent, it will be necessary to download the delegation document with the endpoint GET /IT-crif-persona/{id}/delega passing as id the value obtained in the request phase.

EXAMPLE CALL

GET https://risk.openapi.com/IT-crif-persona/{id}/delega


The response will be the PDF proxy form.

3) Upload the authorization document 
PATCH /IT-crif-persona/{id}

Once the authorization document has been properly signed it will be possible to send it to complete the necessary documentation for the request via the PATCH endpoint /IT-crif-persona/{id} where again the id will be the one obtained at the request stage (POST endpoint /IT-crif-persona)

EXAMPLE CALL

PATCH https://risk.openapi.com/IT-crif-persona/{id}

 

In the body of the request clearly will also be passed the signed proxy

{
  "signed_delegation_file": "JVBERi0xLjMKMyAwIG9iago8PC9UeXBlIC9QYWdlCi9QYXJlbnQgMSAwIFIKL1Jlc291cmNlcyAyIDAgUgovQ29udGVudHMgNCAwIFI+PgplbmRvYmoKNCAwIG9iago8PC9GaWx0ZXIgL0ZsYXRlRGVjb2RlIC9MZW5ndGggMjg1NT4+CnN0cmVhbQp4nKVa2XLjuBV976+4b85UeWCCO3teAlOQGgkXNUl5qlzzoliyw5QsTiT1TFV/TT4tn5ILgJvctgg7L6bF7dxz9wvQhr99sogXwJ94sCwLFp9uK7iZU6A2/obqEXj1yfOJH0EQUGLZ8AyeExKv/72D8tO/QT"
}

 

EXAMPLE RESPONSE

The response will also include the simple proxy form and the signed proxy form:

{
  "first_name": "mario",
  "last_name": "rossi",
  "birth_date": "1990-04-28",
  "gender": "m",
  "fiscal_code": "mrrrss89d28l117d",
  "birth_city": "terni",
  "birth_province": "tr",
  "birth_country": "italia",
  "residence_address": "via rossini",
  "residence_street_number": "2",
  "residence_city": "terni",
  "residence_postal_code": "05100",
  "residence_province": "tr",
  "residence_country": "italia",
  "document_type": "PATENTE",
  "document_number": "RT5677UI",
  "release_date": "2001-12-31",
  "expiration_date": "2030-12-31",
  "release_city": "terni",
  "release_province": "tr",
  "public_authority": "mctc",
  "document_file": "JVBERi0xLjMKMyAwIG9iago8PC9UeXBlIC9QYWdlCi9QYXJlbnQgMSAwIFIKL1Jlc291cmNlcyAyIDAgUgovQ29udGVudHMgNCAwIFI+PgplbmRvYmoKNCAwIG9iago8PC9GaWx0ZXIgL0ZsYXRlRGVjb2RlIC9MZW5ndGggMjg1NT4+CnN0cmVhbQp4nKVa2XLjuBV976+4b85UeWCCO3teAlOQGgkXNUl5qlzzoliyw5QsTiT1TFV/TT4tn5ILgJvctgg7L6bF7dxz9wvQhr",
  "health_insurance_card_file": "JVBERi0xLjQKMSAwIG9iago8PAovVGl0bGUgKP7/AFAAUgBPAEMAVQBSAEEpCi9DcmVhdG9yICj+/wB3AGsAaAB0AG0AbAB0AG8AcABkAGYAIAAwAC4AMQAyAC4ANikKL1Byb2R1Y2VyICj+/wBRAHQAIAA0AC4AOAAuADcpCi9DcmVhdG",
  "callback": {
    "url": "https://mysite.com/test.php",
    "method": "POST",
    "field": "data",
    "headers": {
      "session_id": "oiwejdf89453urf945jfg"
    },
    "data": {}
  },
  "state": "in_lavorazione",
  "creation_timestamp": 1685532040,
  "last_update_timestamp": 1685532040,
  "owner": "[email protected]",
  "delegation_file": "64772d88496e98e849017aa8_delega.pdf",
  "signed_delegation_file": "eae65688f78ba2ffe44715a6398cbd34.pdf",
  "id": "64772d88496e98e849017aa8"
},
"success": true,
"message": "",
"error": null
}


4) Retrieve request or check status
GET /IT-crif-persona/{id}

It will be possible to retrieve, and possibly verify the status, of any request via the https://risk.openapi.com/IT-crif-persona/{id} endpoint.

https://risk.openapi.com/IT-crif-persona/{id}


For checking the status of the practice we suggest implementing callback.

5) Retrieve request list
GET /IT-crif-persona/

It is possible to retrieve the list of all requests made through the endpoint https://risk.openapi.com/IT-crif-persona/


EXAMPLE CALL

https://risk.openapi.com/IT-crif-persona/

 

EXAMPLE RESPONSE

The response will contain the status, date the request was created, last updated, and id:

{
  "data": [
    {
      "state": "completato",
      "creation_timestamp": 1685369206,
      "last_update_timestamp": 1685369607,
      "owner": "[email protected]",
      "id": "647722c4b23b7966ed359763"
    }
  ],
  "success": true,
  "message": "",
  "error": null
}


PLEASE NOTE: Access to data in the SIC, Credit Information System, is allowed to the report holders, the legal representative in case of a legal person or other person delegated by the report holder. It is essential to send a copy of the identity card of the person for whom the relevant certificate is requested. In the case of legal persons (non-commercial entities, associations, foundations, enterprises, partnerships or corporations, consortia, etc.) the copy of the identity card of the legal representative of the legal person for whom the report is requested must be sent. If the product is requested for legal persons, an additional amount of up to €10 may be required - to be paid directly to CRIF - which will send an appropriate email.

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