Mastering Credit Score API Integration: FAQs and Solutions

1. What is the purpose of the Credit Score API?

The Credit Score API is designed to assess the credit risk level of borrowers comprehensively. It provides a specific credit score and significant features to predict the probability of default.

2. How do I authenticate my requests?

Authentication is done using an access token. You can generate the token via the Token Authentication API by providing your accessKey, timestamp, and signature. Ensure the token is valid and up-to-date for successful authentication.

3. What are the key parameters required for the Credit Score API request?

Here are the required parameters:

name: Full name of the customer (minimum 3 characters).
idNumber: 16-digit Customer ID number (NIK) starting with non-zero.
phoneNumber: Customer's phone number starting with "+628".
version: (Optional) Model version (v1 or v2). Defaults to v1, but v2 is recommended.

4. Can I test the API? Is there a free usage quota?

Yes, the API allows testing, and certain responses (e.g., PARAMETER_ERROR) are tagged as "free" and will not be charged. Refer to the glossary for details on status codes and their associated costs.

5. How do I interpret the response data?

The response includes the following:

code: Status of the API call (e.g., SUCCESS, PARAMETER_ERROR).
transactionId: Unique ID for the request.
pricingStrategy: Indicates if the request is free or paid.
data: Contains the credit score and other features if the request is successful.
message: Descriptive explanation of the response status.

6. What are common errors and how can I resolve them?

PARAMETER_ERROR: Check the format and completeness of your input parameters.
INVALID_ID_NUMBER: Ensure the ID number is a valid 16-digit number.
INVALID_PHONE_NUMBER: Verify the phone number format (must start with "+628").