Scrub - Open API

​credit

Endpoint:https://odoopi.usescrub.io/

Credit scoring and bureau inquiry for Nigerian consumers

​Get credit score

POST
https://odoopi.usescrub.io
/api/v1/credit/score/

Retrieves a consumer credit score (300–850) based on repayment history, credit utilization, and bureau data from CRC Credit Bureau and FirstCentral. Requires explicit customer consent.

​Get credit score › Request Body

  • bvnstring · required
    Example: 22345678901
  • consent_referencestring · required

    Reference to stored customer consent

    Example: cns_abc123
  • bureaustring · enum
    Enum values:
    crc
    firstcentral
    all
    Default: all

​Get credit score › Responses

    • bvnstring
    • scoreinteger

      300–850 scale

      Example: 682
    • ratingstring · enum
      Enum values:
      excellent
      good
      fair
      poor
      very_poor
      Example: good
    • bureau_sourcestring
      Example: crc
    • factorsobject[]
    • request_idstring

​Submit credit inquiry

POST
https://odoopi.usescrub.io
/api/v1/credit/inquiry/

Submits a soft or hard credit inquiry to Nigerian credit bureaus. Soft inquiries do not affect the consumer's score; hard inquiries are recorded on the bureau file.

​Submit credit inquiry › Request Body

  • bvnstring · required
    Example: 22345678901
  • inquiry_typestring · enum · required
    Enum values:
    soft
    hard
    Example: soft
  • consent_referencestring · required
    Example: cns_abc123
  • purposestring · enum · required
    Enum values:
    loan_application
    account_opening
    periodic_review
    Example: loan_application

​Submit credit inquiry › Responses

    • inquiry_idstring
      Example: inq_7k2m9x
    • inquiry_typestring
      Example: soft
    • recorded_on_bureauboolean
    • score_at_inquiryinteger
      Example: 682
    • request_idstring

​Get repayment history

GET
https://odoopi.usescrub.io
/api/v1/credit/history/

Returns summarized loan and repayment history for a consumer, including active facilities, closed accounts, and delinquency flags.

​Get repayment history › query Parameters

  • bvnstring · required

    11-digit BVN

  • monthsinteger

    Lookback period in months (max 60)

​Get repayment history › Responses

    • bvnstring
    • months_analyzedinteger
      Example: 24
    • total_facilitiesinteger
      Example: 4
    • active_facilitiesinteger
      Example: 2
    • on_time_payments_pctnumber
      Example: 94.5
    • worst_delinquency_daysinteger
    • facilitiesobject[]
    • request_idstring
fraud