Interchange
Live samples

What a live request returns, file for file.

Each sample was built from a real bureau response. The person was replaced with a stand-in, AMANI JABALI MWENDA, under test ID 880000088, which matches no real file. Amounts, dates, statuses and scores are exactly as the bureau returned them.

Leak scan: 54 files checked for every name, ID, phone, date, account number and transaction ID in the original. 0 found.
Page one of the Identity Verification sample
Report 1
Identity Verification

Whether the ID exists and who it belongs to.

Real response, anonymised
Page one of the Delinquency Status sample
Report 2
Delinquency Status

Whether the person is in default now, or has been.

Real response, anonymised
Page one of the Metro / Mobile Score sample
Report 3
Metro / Mobile Score

The bureau's score for the person, or the mobile-lending variant.

Real response, anonymised
Page one of the JSON Credit Report sample
Report 5
JSON Credit Report

The full credit file as structured data.

Real response, anonymised
Page one of the Identity Scrub sample
Report 6
Identity Scrub

Every contact and address trace lenders have reported.

Real response, anonymised
Page one of the Credit Info sample
Report 8
Credit Info

Every credit account on file, with the headline score.

Real response, anonymised
Page one of the Enhanced Credit Info sample
Report 10
Enhanced Credit Info

Credit Info plus who guarantees the person and who holds a stake in them.

Real response, anonymised
Page one of the Credit Info with Income Estimate sample
Report 11
Credit Info with Income Estimate

Credit Info plus the bureau's modelled monthly income.

Real response, anonymised
Page one of the Full Enhanced Credit Info sample
Report 12
Full Enhanced Credit Info

The complete picture: identity, traces, accounts and a year of score history.

Real response, anonymised
Page one of the Minified Credit Info sample
Report 13
Minified Credit Info

One line: worst arrears, whether non-performing, total owed.

Real response, anonymised
Page one of the Full JSON Report sample
Report 14
Full JSON Report

The older full-file format: identity, traces, accounts, guarantors.

Real response, anonymised
Page one of the Credit Accounts Summary sample
Report 16
Credit Accounts Summary

Counts of mobile against generic loans, arrears, NPLs and the monthly instalment.

Real response, anonymised

The rest of the bureau catalogue

These answer through the same call. They are not shown here because no real response has been captured to build a sample from, and a sample is never invented.

Report 4PDF Credit ReportThe bureau's own printed credit report.Bureau's own document
Report 22Accounts Info (12-month history)Month by month status of every account over the last year.Not in contract