> For the complete documentation index, see [llms.txt](https://docs.lenderlink.ph/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.lenderlink.ph/product-guides/api-integration-guides/loan-applications-check-api.md). # Loan Applications Check API ## Authentication Obtain a token via the [Authentication](/product-guides/api-integration-guides/authentication.md) procedure. ### Endpoint The API endpoint for accessing the telco score is: ``` https://sandbox-app.lenderlink.ph/api/v1/telco/score ``` ### Request Parameters The request should include the following parameters: | Parameter | Mandatory | Description | | --------------- | --------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | cellphoneNumber | Yes | Should contain the SMART number of the client for whom you want to generate the Loan Applications Check.Format 63XXXXXXXXXX | | productIds | Yes | parameter is a semicolon-separated list of product codes that you want to use for Loan Applications Check. For this API request, the productIds should be "CVSCR2;". | | requestId | Yes | Identifier for the API request. It should be a unique value for each API call. | | email | No | Email address of the person | ### Response Parameters The API response will be in JSON format and will include the following fields: | Parameter | Type | Mandatory | Description | | ---------------------- | ------- | --------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------- | | requestId | string | Yes | Unique identifier | | transactionId | string | Yes | Unique system identifier | | code | string | Yes | Operation code | | result | string | Yes | Operation result | | scores | string | Yes | Semicolon separated string scoring product identifiers (product id 911) | | 911 | Object | yes | | | cvTotals | Object | yes | | | requestsTotalAll | Integer | Yes | # all previous requests, including such performed by the Client requesting Loan Applications Check | | uniqueEntitiesTotalAll | Integer | Yes | # of unique Lending institutions who performed the requests, including the Client requesting Loan Applications Check | | requestsSameTotalAll | Integer | Yes | # of all previous requests performed by the Client requesting Loan Applications Check | | requestsOtherTotalAll | Integer | Yes | # of all previous requests, excluding such performed by the Client requesting Loan Applications Check | | requestsTotal1 | Integer | Yes | # of all previous requests, including such performed by the Client requesting Loan Applications Check - 1 Day before the Main request date | | requestsTotal7 | Integer | Yes | Same as above, but "Last 7 days" (includes "\_1") | | requestsTotal14 | Integer | Yes | Same as above, but "Last 14 days" (includes "\_1" and "\_7") | | requestsTotal21 | Integer | Yes | Same logic as above | | requestsTotal28 | Integer | Yes | Same logic as above | | requestsTotal35 | Integer | Yes | Same logic as above | | requestsTotal45 | Integer | Yes | Same logic as above | | requestsTotal60 | Integer | Yes | Same logic as above | | requestsTotal90 | Integer | Yes | Same logic as above | | requestsTotal180 | Integer | Yes | Same logic as above | | requestsTotal360 | Integer | Yes | Same logic as above | | uniqueEntities1 | Integer | Yes | # of unique Lending institutions who performed the requests, including the Client requesting Loan Applications Check - 1 Day before the Main request date | | uniqueEntities7 | Integer | Yes | Same as above, but "Last 7 days" (includes "\_1") | | uniqueEntities14 | Integer | Yes | Same as above, but "Last 14 days" (includes "\_1" and "\_7") | | uniqueEntities21 | Integer | Yes | Same logic as above | | uniqueEntities28 | Integer | Yes | Same logic as above | | uniqueEntities35 | Integer | Yes | Same logic as above | | uniqueEntities45 | Integer | Yes | Same logic as above | | uniqueEntities60 | string | Yes | Same logic as above | | uniqueEntities90 | Integer | Yes | Same logic as above | | uniqueEntities180 | Integer | Yes | Same logic as above | | uniqueEntities360 | Integer | Yes | Same logic as above | | requestsSame1 | Integer | Yes | # of all previous requests performed by the Client requesting Loan Applications Check - 1 Day before the Main request date | | requestsSame7 | Integer | Yes | Same as above, but "Last 7 days" (includes "\_1") | | requestsSame14 | Integer | Yes | Same as above, but "Last 14 days" (includes "\_1" and "\_7") | | requestsSame21 | Integer | Yes | Same logic as above | | requestsSame28 | Integer | Yes | Same logic as above | | requestsSame35 | Integer | Yes | Same logic as above | | requestsSame45 | Integer | Yes | Same logic as above | | requestsSame60 | Integer | Yes | Same logic as above | | requestsSame90 | Integer | Yes | Same logic as above | | requestsSame180 | Integer | Yes | Same logic as above | | requestsSame360 | Integer | Yes | Same logic as above | | requestsOthers1 | Integer | Yes | # of all previous requests, excluding such performed by the Client requesting Loan Applications Check - 1 Day before the Main request date | | requestsOthers7 | Integer | Yes | Same as above, but "Last 7 days" (includes "\_1") | | requestsOthers14 | Integer | Yes | Same as above, but "Last 14 days" (includes "\_1" and "\_7") | | requestsOthers21 | Integer | Yes | Same logic as above | | requestsOthers28 | Integer | Yes | Same logic as above | | requestsOthers35 | Integer | Yes | Same logic as above | | requestsOthers45 | Integer | Yes | Same logic as above | | requestsOthers60 | Integer | Yes | Same logic as above | | requestsOthers90 | Integer | Yes | Same logic as above | | requestsOthers180 | Integer | Yes | Same logic as above | | requestsOthers360 | Integer | Yes | Same logic as above | | requestsBank1 | Integer | Yes | # of all previous requests performed by Banks, excluding such performed by the Client requesting Loan Applications Check - 1 Day before the Main request date | | requestsBank7 | Integer | Yes | Same as above, but "Last 7 days" (includes "\_1") | | requestsBank14 | Integer | Yes | Same as above, but "Last 14 days" (includes "\_1" and "\_7") | | requestsBank21 | Integer | Yes | Same logic as above | | requestsBank28 | Integer | Yes | Same logic as above | | requestsBank35 | Integer | Yes | Same logic as above | | requestsBank45 | Integer | Yes | Same logic as above | | requestsBank60 | Integer | Yes | Same logic as above | | requestsBank90 | Integer | Yes | Same logic as above | | requestsBank180 | Integer | Yes | Same logic as above | | requestsBank360 | Integer | Yes | Same logic as above | | requestsNonBank1 | Integer | Yes | # of all previous requests performed by non banks, excluding such performed by the Client requesting Loan Applications Check - 1 Day before the Main request date | | requestsNonBank17 | Integer | Yes | Same as above, but "Last 7 days" (includes "\_1") | | requestsNonBank14 | Integer | Yes | Same logic as above | | requestsNonBank21 | Integer | Yes | Same logic as above | | requestsNonBank28 | Integer | Yes | Same logic as above | | requestsNonBank35 | Integer | Yes | Same logic as above | | requestsNonBank45 | Integer | Yes | Same logic as above | | requestsNonBank60 | Integer | Yes | Same logic as above | | requestsNonBank90 | Integer | Yes | Same logic as above | | requestsNonBank180 | Integer | Yes | Same logic as above | | requestsNonBank360 | Integer | Yes | Same logic as above | | scorePtd | Integer | Yes | The raw score generated by the Payment Transaction Data model, representing predicted customer risk (higher score = better). | | bandPtd | Integer | Yes | Score percentile band based on the development sample, segmented into 10 risk groups (1 = highest risk, 10 = lowest risk). | ### Example #### POST Loan Application Check without telco score for SMART ``` https://sandbox-app.lenderlink.ph/api/v1/telco/score ``` ```json { "mobilenumber": "639XXXXXXXXX", "productids": "911;", "requestId": "X123-AB45" } ``` **Example Response** ```json { "requestId": "X123-AB45", "transactionId": "75b0b20f46a54107a75a38b6d6dc1db0", "code": "0000", "result": "ok", "scores": { "911": { "cvTotals": [ { "requestsTotalAll": 968, "uniqueEntitiesTotalAll": 30, "requestsSameTotalAll": 74, "requestsOthersTotalAll": 894, "requestsTotal1": 3, "requestsTotal7": 12, "requestsTotal14": 22, "requestsTotal21": 31, "requestsTotal28": 40, "requestsTotal35": 62, "requestsTotal45": 80, "requestsTotal60": 107, "requestsTotal90": 169, "requestsTotal180": 312, "requestsTotal360": 539, "uniqueEntities1": 2, "uniqueEntities7": 3, "uniqueEntities14": 3, "uniqueEntities21": 3, "uniqueEntities28": 3, "uniqueEntities35": 7, "uniqueEntities45": 9, "uniqueEntities60": 12, "uniqueEntities90": 18, "uniqueEntities180": 22, "uniqueEntities360": 24, "requestsSame1": 2, "requestsSame7": 4, "requestsSame14": 6, "requestsSame21": 8, "requestsSame28": 9, "requestsSame35": 14, "requestsSame45": 16, "requestsSame60": 21, "requestsSame90": 31, "requestsSame180": 41, "requestsSame360": 59, "requestsOthers1": 1, "requestsOthers7": 8, "requestsOthers14": 16, "requestsOthers21": 23, "requestsOthers28": 31, "requestsOthers35": 48, "requestsOthers45": 64, "requestsOthers60": 86, "requestsOthers90": 138, "requestsOthers180": 271, "requestsOthers360": 480, "requestsBank1": 0, "requestsBank7": 0, "requestsBank14": 0, "requestsBank21": 0, "requestsBank28": 0, "requestsBank35": 0, "requestsBank45": 1, "requestsBank60": 3, "requestsBank90": 9, "requestsBank180": 16, "requestsBank360": 23, "requestsNonBank1": 0, "requestsNonBank7": 1, "requestsNonBank14": 2, "requestsNonBank21": 2, "requestsNonBank28": 3, "requestsNonBank35": 13, "requestsNonBank45": 18, "requestsNonBank60": 22, "requestsNonBank90": 29, "requestsNonBank180": 58, "requestsNonBank360": 79 } ] } } } ``` #### POST Loan Application Check with telco score for SMART ``` https://sandbox-app.lenderlink.ph/api/v1/telco/score ``` ```json { "mobileNumber": "639XXXXXXXXX", "productIds": "911;G;", "requestId": "X123-AB45" } ``` **Example Response** ```json { "requestId": "X123-AB45", "transactionId": "14e09f5f01ad4797a08f23386502ad38", "code": "0000", "result": "ok", "scores": { "911": { "cvTotals": [ { "requestsTotalAll": 968, "uniqueEntitiesTotalAll": 30, "requestsSameTotalAll": 74, "requestsOthersTotalAll": 894, "requestsTotal1": 3, "requestsTotal7": 12, "requestsTotal14": 22, "requestsTotal21": 31, "requestsTotal28": 40, "requestsTotal35": 62, "requestsTotal45": 80, "requestsTotal60": 107, "requestsTotal90": 169, "requestsTotal180": 312, "requestsTotal360": 539, "uniqueEntities1": 2, "uniqueEntities7": 3, "uniqueEntities14": 3, "uniqueEntities21": 3, "uniqueEntities28": 3, "uniqueEntities35": 7, "uniqueEntities45": 9, "uniqueEntities60": 12, "uniqueEntities90": 18, "uniqueEntities180": 22, "uniqueEntities360": 24, "requestsSame1": 2, "requestsSame7": 4, "requestsSame14": 6, "requestsSame21": 8, "requestsSame28": 9, "requestsSame35": 14, "requestsSame45": 16, "requestsSame60": 21, "requestsSame90": 31, "requestsSame180": 41, "requestsSame360": 59, "requestsOthers1": 1, "requestsOthers7": 8, "requestsOthers14": 16, "requestsOthers21": 23, "requestsOthers28": 31, "requestsOthers35": 48, "requestsOthers45": 64, "requestsOthers60": 86, "requestsOthers90": 138, "requestsOthers180": 271, "requestsOthers360": 480, "requestsBank1": 0, "requestsBank7": 0, "requestsBank14": 0, "requestsBank21": 0, "requestsBank28": 0, "requestsBank35": 0, "requestsBank45": 1, "requestsBank60": 3, "requestsBank90": 9, "requestsBank180": 16, "requestsBank360": 23, "requestsNonBank1": 0, "requestsNonBank7": 1, "requestsNonBank14": 2, "requestsNonBank21": 2, "requestsNonBank28": 3, "requestsNonBank35": 13, "requestsNonBank45": 18, "requestsNonBank60": 22, "requestsNonBank90": 29, "requestsNonBank180": 58, "requestsNonBank360": 79 } ] }, "G": [ [ "scorePtd", 337 ], [ "bandPtd", 1 ] ] } } ```