Credit Decision Person

Credit Decision Person

Automated credit decisions if the person is to be granted a loan, credit or invoice.

Automated credit decisions for individuals

Credit decision person is used to make automated credit decisions for individuals. Fast credit checks and automated responses on credit decisions, based on unique credit templates where you choose the parameters.

The result? Reduced manual handling, reduced risk factor in assessment, a better customer experience, reduced churn and more incoming business. How does that sound? Use the Roaring API for integration with existing systems and processes, more customers are waiting around the corner!

Available countries

Svensk flagga Sweden

Available in

Roaring API

population register

Common use-cases:

  • Automated credit decisions
  • Credit processes
  • Customer onboarding

Content

Decisions are based on templates. Choose a standard one or create your own.

Sweden

Norway

Finland

Denmark

Social security number

N/A

N/A

N/A

Name

N/A

N/A

N/A

Address

N/A

N/A

N/A

Credit decision

N/A

N/A

N/A

Standard template

To generate an approved credit decision, the following criteria must be met:

  • Age of individual equal to or higher than 18 years
  • No payment defaults
  • No outstanding debt
  • No ongoing debt restructuring
  • No seizure attempts
  • Individual not under trusteeship
  • No personal bankruptcy registered

Correct name and adress are always returned.

Benefits of templates
  • Faster and automated credit check
  • Clear and consistent results in credit decisions
  • Reduce of manual handling and assessment

"We automated our loan application process with Roaring API:s, reducing manual labour by approximately 650 hours yearly."

Emilia Åker Corpia
Emilia Åker Head of Operations | Corpia

Example response Swedish person

{
    "personalNumber": "193701308888",
    "firstName": "Christina Birgitta Ulrika",
    "givenName": "Birgitta",
    "lastName": "Efternamn3542",
    "statusCode": "1",
    "statusText": "Approved",
    "rejections": [],
    "coAddress": "",
    "registeredAddress": "Gatan142 8",
    "address": "Gatan142 8",
    "zipCode": "11146",
    "town": "STOCKHOLM"
  }

{"message":"For Developers!"}

Try the API in our sandbox environment. It's free.

Docs: app.roaring.io/developer/apis