Buró de Crédito REST API
Credit history check for individuals and companies
Overview:
Buró de Crédito is a private company established as a Credit Information Society, officially authorized by the Ministry of Finance and Public Credit (SHCP), with input from the Bank of Mexico (Banxico) and the National Banking and Securities Commission (CNBV).
It offers services for the collection, management, and delivery of credit history information for individuals and legal entities, as well as data on credit operations and similar activities these parties maintain with Financial Institutions (such as Banks, Credit Unions, Savings and Loan Societies), Commercial Companies (like department stores), and Non-Regulated Financial Entities (Sofomes, E.N.R.).
Requirements:
Buró de Crédito account and access credentials
Set up your access accounts under Settings > Integrations.
Client type:
Legal Entity (Persona Moral)
Individual with Business Activity (Persona Física con Actividad Empresarial)
Individual (Persona Física)
Query example:
{ "externalId": "string", "clientType": "PM", "name": "string", "firstname": "string", "middlename": "string", "firstSurname": "string", "secondSurname": "string", "rfc": "stringstr", "address": "string", "city": "string", "neighborhood": "string", "postalCode": "string", "state": "AGS", "country": "MX", "credentials": { "username": "string", "password": "string" } }
Response example:
{ "return": { "Personas": { "Persona": [ { "Encabezado": { "NumeroReferenciaOperador": "", "ClavePais": "MX", "IdentificadorBuro": "1110", "ClaveOtorgante": "ZM44441091", "ClaveRetornoConsumidorPrincipal": "1", "ClaveRetornoConsumidorSecundario": "0", "NumeroControlConsulta": "2016732295" }, "Nombre": { "ApellidoPaterno": "QUALITYFOUR", "ApellidoMaterno": "PEDRAZA", "PrimerNombre": "TESTFOUR", "FechaNacimiento": "22011960", "RFC": "HEPE60012222A", "Prefijo": "SRA", "Nacionalidad": "MX", "Residencia": "1", "EstadoCivil": "M", "Sexo": "F" }, "Domicilios": { "Domicilio": [ { "Direccion1": "LEONA VICARIO NO 2", "Direccion2": "FRACC REF", "DelegacionMunicipio": "JOJUTLA", "Ciudad": "JOJUTLA", "Estado": "MOR", "CP": "62900", "NumeroTelefono": "3423258", "TipoDomicilio": "H", "IndicadorEspecialDomicilio": "K", "CodPais": "MX", "FechaReporteDireccion": "28041997" } ] }, "Empleos": { "Empleo": [ { "NombreEmpresa": "ESPERANZA HERRERA PEDRAZA", "Direccion1": "LEONA VICARIO", "Direccion2": "REF JOJUTLA", "DelegacionMunicipio": "JOJUTLA", "Estado": "MOR", "CP": "62900", "NumeroTelefono": "7343423258", "Cargo": "OTRO", "ClaveMonedaSalario": "MX", "Salario": "11451", "BaseSalarial": "M", "FechaReportoEmpleo": "07032002" } ] }, "Cuentas": { "Cuenta": [ { "FechaActualizacion": "30092020", "NombreOtorgante": "TIENDA COMERCIAL", "NumeroTelefonoOtorgante": "1", "IdentificadorSociedadInformacionCrediticia": "1", "IndicadorTipoResponsabilidad": "I", "TipoCuenta": "R", "TipoContrato": "CC", "ClaveUnidadMonetaria": "MX", "FrecuenciaPagos": "Z", "MontoPagar": "744", "FechaAperturaCuenta": "02022020", "FechaUltimoPago": "25092020", "FechaUltimaCompra": "27072020", "FechaReporte": "27092020", "ModoReportar": "A", "CreditoMaximo": "6434", "SaldoActual": "4233+", "LimiteCredito": "11000", "SaldoVencido": "0", "FormaPagoActual": "01", "HistoricoPagos": "1111111", "FechaMasRecienteHistoricoPagos": "26082020", "FechaMasAntiguaHistoricoPagos": "26022020", "ImporteSaldoMorosidadHistMasGrave": "0", "FechaHistoricaMorosidadMasGrave": "23042020", "MopHistoricoMorosidadMasGrave": "00" } ] }, "ConsultasEfectuadas": { "ConsultaEfectuada": [ { "FechaConsulta": "05082021", "ClaveOtorgante": "ZM44441091", "NombreOtorgante": "IPC", "TipoContrato": "CC", "ImporteContrato": "0", "IndicadorTipoResponsabilidad": "I", "ResultadoFinal": "0", "IdentificadorOrigenConsulta": "0" } ] }, "ResumenReporte": { "ResumenReporte": [ { "FechaIngresoBD": "28041997", "NumeroMOP7": "00", "NumeroMOP6": "01", "NumeroMOP5": "00", "NumeroMOP4": "00", "NumeroMOP3": "00", "NumeroMOP2": "00", "NumeroMOP1": "11", "NumeroMOP0": "00", "NumeroMOPUR": "00", "NumeroCuentas": "0012", "CuentasPagosFijosHipotecas": "0005", "CuentasRevolventesAbiertas": "0007", "CuentasCerradas": "0000", "CuentasNegativasActuales": "0001", "CuentasClavesHistoriaNegativa": "0001", "CuentasDisputa": "00", "NumeroSolicitudesUltimos6Meses": "00", "NuevaDireccionReportadaUltimos60Dias": "N", "MensajesAlerta": "NNNYN", "ExistenciaDeclaracionesConsumidor": "N", "TipoMoneda": "MX", "TotalCreditosMaximosRevolventes": "000073016", "TotalLimitesCreditoRevolventes": "000609100", "TotalSaldosActualesRevolventes": "000030732+", "TotalSaldosVencidosRevolventes": "000000000", "TotalPagosRevolventes": "000001094", "PctLimiteCreditoUtilizadoRevolventes": "028", "TotalCreditosMaximosPagosFijos": "001275655", "TotalSaldosActualesPagosFijos": "000289533+", "TotalSaldosVencidosPagosFijos": "000021800", "TotalPagosPagosFijos": "000011476", "NumeroMOP96": "00", "NumeroMOP97": "00", "NumeroMOP99": "00", "FechaAperturaCuentaMasAntigua": "04112002", "FechaAperturaCuentaMasReciente": "01032020", "TotalSolicitudesReporte": "03", "FechaSolicitudReporteMasReciente": "01092011", "NumeroTotalCuentasDespachoCobranza": "00", "FechaAperturaCuentaMasRecienteDespachoCobranza": "00000000", "NumeroTotalSolicitudesDespachosCobranza": "00", "FechaSolicitudMasRecienteDespachoCobranza": "00000000" } ] }, "HawkAlertConsulta": { "HawkAlertC": [ { "FechaReporte": "05082021", "CodigoClave": "001", "TipoInstitucion": "BURO DE CREDITO", "Mensaje": "VER MENSAJES DE COINCIDENCIA POR REP. DE CREDITO" } ] }, "HawkAlertBD": { "HawkAlertBD": [ { "FechaReporte": "05082021", "CodigoClave": "860", "TipoInstitucion": "BURO DE CREDITO", "Mensaje": "TELEFONO 7343423258 CORRESPONDE A NUMERO FIJO" } ] }, "DeclaracionesCliente": null, "ScoreBuroCredito": { "ScoreBC": [ { "nombreScore": "BC SCORE", "CodigoScore": "007", "CodigoError": "01" } ] } } ] } } }
