# CRIF High Mark Credit Report for Lenders API | FastKYC

> Retrieve a comprehensive CRIF credit report with score, loan accounts, enquiry history and personal details for risk assessment.

Source: https://www.fastkyc.com/apis/credit-report-crif/

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[Finance APIs](/apis/finance/)

# Credit Report Crif API

Retrieve a comprehensive CRIF credit report with score, loan accounts, enquiry history and personal details for risk assessment.

[Book a Demo](/book-demo/)

Category

[Finance APIs](/apis/finance/)

Built for

-   [Lending & NBFC](/industries/lending/)
-   [Real Estate & Rentals](/industries/real-estate/)

## What the Credit Report Crif API does

Credit Report Crif returns a CRIF High Mark report: the credit score, individual loan accounts with repayment history, enquiry records and the personal details held on the borrower.

CRIF is notably strong in microfinance and rural lending, where borrowers often have limited presence in other bureaus. For lenders serving those segments it frequently surfaces obligations that would otherwise go unseen.

## Where teams use the Credit Report Crif API

1.  Credit assessment in microfinance and rural lending
    
2.  Cross-checking a thin file against a second bureau
    
3.  Identifying group lending exposure
    
4.  Building a fuller obligations picture before approval
    

## Frequently Asked Questions (FAQs)

When is CRIF the better choice?

Where borrowers are likely to have microfinance or rural credit history, CRIF often has deeper coverage than the alternatives.

Should I check more than one bureau?

For borderline or thin-file applications, yes. Bureaus do not see identical data, and a second pull can change the decision.

What does the enquiry history show?

Recent applications for credit. A cluster of enquiries in a short window suggests the borrower is seeking credit from several lenders at once.

## Related APIs

-   [Credit Report Experian API Get a complete Experian credit report and score with account history, enquiries, employment information and derived attributes.](/apis/credit-report-experian/)
-   [Credit Report Experian V2 API The current Experian credit report endpoint for lenders, returning credit score, account history, enquiries and derived attributes for loan underwriting.](/apis/credit-report-experian-v2/)
-   [Credit Report CIBIL API Fetch a customer's CIBIL credit score and full credit report using their PAN and mobile number, for instant lending decisions.](/apis/credit-report-cibil/)
-   [ITR File Download V API Retrieve a taxpayer's filing history with downloadable ITR-V acknowledgement documents for each assessment year, as proof of income tax filing.](/apis/itr-file-download-v/)

## Guides on the Credit Report Crif API

-   [GuideCredit Report Verification for Lenders: CIBIL, Experian, CRIF & Equifax ExplainedA guide to credit report verification in India using CIBIL, Experian, CRIF High Mark and Equifax — what their reports show, and how to check them by API.](/blog/credit-report-for-lenders/)

## Start verifying with the Credit Report Crif API

Book a walkthrough and we will show the call, the response and how it fits your onboarding flow.

[Book a Demo](/book-demo/) [Browse All APIs](/apis/)

-   One API key for every check
-   Verified against official Indian records
-   Built for onboarding at scale