DocumentationCommon

Buyer-Supplied Bureau Data

If your back-end already has borrower-authorized bureau data, you can pass it into supported Aarthik Labs journeys.

This is optional. Hosted and Hybrid journeys can still work when you do not send bureau data.

When To Use This

Use buyer-supplied bureau data when:

  • your application has already received a bureau report for the borrower
  • the borrower has authorized your application to share that report with Aarthik Labs
  • you want Aarthik Labs to store the report with borrower and journey context

Do not send bureau data directly from a browser or mobile app. Send it only from your trusted back-end.

Where This Applies

ExperienceSupport
Hosted ExperienceSupported when creating a Hosted Experience URL.
Hybrid Personal LoanSupported when starting or resuming the Hybrid journey.
Hybrid Loan Against Mutual FundsSupported when starting or resuming the Hybrid journey.
Hybrid Business LoanSupported when starting or resuming the Hybrid journey.
Hybrid Gold LoanDo not send bureau or journey.bureauConsent. Use the Gold Loan start shape with journey.consent.

Hosted Experience Shape

For Hosted Experience, add a top-level bureau object when creating the Hosted Experience URL.

1{
2  "borrowerProviderID": "BORROWER-123",
3  "journeyType": "PERSONAL_LOAN",
4  "profile": {
5    "contactNumber": "9876543210"
6  },
7  "journey": {
8    "endUse": "travel",
9    "creditReportConsent": true
10  },
11  "bureau": {
12    "type": "EXPERIAN",
13    "data": {
14      "score": 742,
15      "accounts": [
16        {
17          "id": "account-1",
18          "status": "active"
19        }
20      ]
21    }
22  }
23}

Hybrid Experience Shape

For supported Hybrid journeys, add a top-level bureau object to the journey start or resume call.

1{
2  "personal": {
3    "contactNumber": "9876543210"
4  },
5  "journey": {
6    "endUse": "travel",
7    "bureauConsent": true
8  },
9  "bureau": {
10    "type": "EXPERIAN",
11    "data": {
12      "score": 742,
13      "accounts": [
14        {
15          "id": "account-1",
16          "status": "active"
17        }
18      ]
19    }
20  }
21}

Required Fields

FieldRequiredNotes
bureau.typeYesOne of EXPERIAN, CIBIL, CRIF, or EQUIFAX.
bureau.dataYesRaw bureau report payload as a JSON object.
journey.creditReportConsentHosted only, when bureau is sentMust be true whenever bureau is provided in Hosted Experience.
journey.bureauConsentHybrid only, when bureau is sentMust be true whenever bureau is provided in supported Hybrid journeys.

Optional References

You may also send:

FieldPurpose
bureau.pulledAtTimestamp for when your application pulled or received the bureau report.
bureau.reportReferenceYour internal report reference for support and reconciliation.
bureau.consentReferenceYour internal borrower-consent reference for audit and reconciliation.

These fields are optional. If you do not have them, omit them.

What Happens Next

Aarthik Labs stores the raw bureau data with borrower, tenant, application, and journey context. The raw report is redacted from audit payloads and is not exposed to borrower-facing Hosted screens.

The API still returns the normal journey response for the experience you are using. The bureau object is not returned in the response.

Note: Buyer-supplied bureau data is stored safely for audit, provenance, and supported processing. Do not assume it will automatically replace all lender or bureau pulls unless Aarthik Labs has confirmed support for your bureau format.

Read the exact request contract in the API Reference.