International Consumer Reports

API for access to Nordic credit information. Via the API you can order credit reports, name and address checks on Finnish, Norwegian and Danish consumers. As an additional service all credit reports can be ordered together with credit templates and consumer scores.

Test environment

In order to quickly get started there is a test environment for the purpose of verifying the technical aspect of the service. Information on how to access the environment is found within the reference guide for the particular service. Furthermore, there is a list of general test objects within a separate document. In addition to this there are specific test objects that can be ordered with the purpose of executing specific tests. For more details and ordering of a test account contact UC at integration@uc.se.

Authentication

In order to access and use the service, a customer number and password is required. The credentials are provided in connection to signing the agreement with UC.

Access to the service is done by stating the provided credentials within every request.

Example of accessing the service

In the following example, accessing the service is done by using "YOUR-USERID" and "YOUR-PASSWORD".

<soap:Envelope xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/">
  <soap:Header />
  <soap:Body>
    <uc:identityCheckPersonRequest uc:language="?" xmlns:uc="http://www.uc.se/schemas/ucCreditReportRequest/2008-12-10">
      <uc:customer>
        <uc:userId>YOUR-USERID</uc:userId>
        <uc:password>YOUR-PASSWORD</uc:password>
      </uc:customer>
      <uc:countryCode>
        <uc:value>FI</uc:value>
      </uc:countryCode>
      <uc:personalNumber>
        <uc:year>50</uc:year>
        <uc:month>11</uc:month>
        <uc:day>06</uc:day>
        <uc:sequenceNumber>069v</uc:sequenceNumber>
      </uc:personalNumber>
    </uc:identityCheckPersonRequest>
  </soap:Body>
</soap:Envelope>

Example

Example request on a ’personSearch’ from Norway

Request

<soap:Envelope xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/">
  <soap:Header />
  <soap:Body>
    <ucc:personSearchRequest ucc:language="eng"
     xmlns:ucc="http://www.uc.se/schemas/ucCreditReportRequest/2008-12-10">
      <ucc:customer>
        <ucc:userId>YOUR-USERID</ucc:userId>
        <ucc:password>YOUR-PASSWORD</ucc:password>
      </ucc:customer>
      <ucc:countryCode>
        <ucc:value>NO</ucc:value>
      </ucc:countryCode>
      <ucc:personRequestItem>
        <ucc:name>
          <ucc:firstName>Petra</ucc:firstName>
          <ucc:sureName>Testdame</ucc:sureName>
        </ucc:name>
        <ucc:personalNumber>
          <ucc:year>65</ucc:year>
          <ucc:month>10</ucc:month>
          <ucc:day>18</ucc:day>
        </ucc:personalNumber>
      </ucc:personRequestItem>
    </ucc:personSearchRequest>
  </soap:Body>
</soap:Envelope>

Response

<soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/">
  <soapenv:Body>
    <uc:ucReply xmlns:uc="http://www.uc.se/schemas/ucCreditReportReply/2008-12-10">
      <uc:status uc:result="ok" />
      <uc:ucReport>
        <uc:xmlReply>
          <uc:reports uc:lang="swe">
            <uc:report uc:id="0000TESTDA" uc:index="0" uc:name="" uc:styp="INSV">
              <uc:group uc:id="W250" uc:index="1" uc:key="18106500076" uc:name="">
                <uc:term uc:id="W25001" uc:name="">18106500076</uc:term>
                <uc:term uc:id="W25002" uc:name="">Testdame Petra</uc:term>
                <uc:term uc:id="W25003" uc:name="">Sofienberggate 56</uc:term>
                <uc:term uc:id="W25004" uc:name="">0563</uc:term>
                <uc:term uc:id="W25005" uc:name="">Oslo</uc:term>
                <uc:term uc:id="W25006" uc:name="">NO</uc:term>
                <uc:term uc:id="W25011" uc:name="">037</uc:term>
                <uc:term uc:id="W25012" uc:name="">181065</uc:term>
              </uc:group>
            </uc:report>
          </uc:reports>
        </uc:xmlReply>
      </uc:ucReport>
    </uc:ucReply>
  </soapenv:Body>
</soapenv:Envelope>

Example request on an ‘identityCheckPerson’ with an SSN

Request

<soap:Envelope xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/">
  <soap:Header />
  <soap:Body>
    <uc:identityCheckPersonRequest uc:language="?"
     xmlns:uc="http://www.uc.se/schemas/ucCreditReportRequest/2008-12-10">
      <uc:customer>
        <uc:userId>YOUR-USERID</uc:userId>
        <uc:password>YOUR-PASSWORD</uc:password>
      </uc:customer>
      <uc:countryCode>
        <uc:value>FI</uc:value>
      </uc:countryCode>
      <uc:personalNumber>
        <uc:year>50</uc:year>
        <uc:month>11</uc:month>
        <uc:day>06</uc:day>
        <uc:sequenceNumber>069v</uc:sequenceNumber>
      </uc:personalNumber>
    </uc:identityCheckPersonRequest>
  </soap:Body>
</soap:Envelope>

Response

<soap:Envelope xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/">
  <soap:Body>
    <uc:ucReply xmlns:uc="http://www.uc.se/schemas/ucCreditReportReply/2008-12-10">
      <uc:status uc:result="ok" />
      <uc:ucReport>
        <uc:xmlReply>
          <uc:reports uc:lang="swe">
            <uc:report uc:styp="INSV" uc:name="" uc:index="0" uc:id="0000">
              <uc:group uc:name="" uc:key="642172" uc:index="1" uc:id="W250">
                <uc:term uc:name="" uc:id="W25001">061150069v</uc:term>
                <uc:term uc:name="" uc:id="W25002">Keski-Vahala Juho
Tapani</uc:term>
                <uc:term uc:name="" uc:id="W25003">Kalliontie 24 A
4</uc:term>
                <uc:term uc:name="" uc:id="W25004">85500</uc:term>
                <uc:term uc:name="" uc:id="W25005">Nivala</uc:term>
                <uc:term uc:name="" uc:id="W25006">FI</uc:term>
                <uc:term uc:name="" uc:id="W25011">037</uc:term>
                <uc:term uc:name="" uc:id="W25012">642172</uc:term>
              </uc:group>
            </uc:report>
          </uc:reports>
        </uc:xmlReply>
      </uc:ucReport>
    </uc:ucReply>
  </soap:Body>
</soap:Envelope>

Example request on a ‘personReport’ with an object ID from Finland.

Request

<soap:Envelope xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/">
  <soap:Header />
  <soap:Body>
    <uc:personReportRequest xmlns:uc="http://www.uc.se/schemas/ucCreditReportRequest/2008-12-10"
     uc:xmlReply="true" uc:htmlReply="false" uc:language="eng">
      <uc:customer>
        <uc:userId>YOUR-USERID</uc:userId>
        <uc:password>YOUR-PASSWORD</uc:password>
      </uc:customer>
      <uc:countryCode>
        <uc:value>FI</uc:value>
      </uc:countryCode>
      <uc:productPersonCode>
        <uc:value>CONSUMER</uc:value>
      </uc:productPersonCode>
      <uc:template>
        <uc:templateId>
        </uc:templateId>
      </uc:template>
      <uc:objectId>549066</uc:objectId>
      <uc:extendedReportRequest>
        <uc:purpose>CREDITCHECK</uc:purpose>
        <uc:newCustomer>
        </uc:newCustomer>
        <uc:endUser>
        </uc:endUser>
      </uc:extendedReportRequest>
    </uc:personReportRequest>
  </soap:Body>
</soap:Envelope>

Response

<soap:Envelope xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/">
  <soap:Body>
    <uc:ucReply xmlns:uc="http://www.uc.se/schemas/ucCreditReportReply/2008-12-10">
      <uc:status uc:result="ok" />
      <uc:ucReport>
        <uc:xmlReply>
          <uc:reports uc:lang="eng">
            <uc:report uc:styp="130" uc:name="Karkkainen Marko Reijo Kristian" uc:index="0" uc:id="549066">
              <uc:group uc:name="ID particulars" uc:key="" uc:index="0" uc:id="W080">
                <uc:term uc:name="" uc:id="W08001">010378</uc:term>
                <uc:term uc:name="" uc:id="W08003">Karkkainen Marko Reijo
Kristian</uc:term>
                <uc:term uc:name="" uc:id="W08004">Uotinkuja 4 AS 2</uc:term>
                <uc:term uc:name="" uc:id="W08005">38200</uc:term>
                <uc:term uc:name="" uc:id="W08006">Vammala</uc:term>
                <uc:term uc:name="" uc:id="W08043">No info</uc:term>
                <uc:term uc:name="" uc:id="W08009">00</uc:term>
                <uc:term uc:name="" uc:id="W08012" />
                <uc:term uc:name="" uc:id="W08010">00</uc:term>
                <uc:term uc:name="" uc:id="W08013" />
                <uc:term uc:name="" uc:id="W08011">00</uc:term>
                <uc:term uc:name="" uc:id="W08014" />
                <uc:term uc:name="" uc:id="W08045">FI</uc:term>
                <uc:term uc:name="" uc:id="W08046">SEK</uc:term>
                <uc:term uc:name="" uc:id="W08047">EUR</uc:term>
              </uc:group>
              <uc:group uc:name="Judgements, specified" uc:key="" uc:index="0" uc:id="W615">
                <uc:term uc:name="" uc:id="W61501">Insolvent.</uc:term>
                <uc:term uc:name="" uc:id="W61502">200811</uc:term>
                <uc:term uc:name="" uc:id="W61503">0000005503</uc:term>
                <uc:term uc:name="" uc:id="W61504" />
                <uc:term uc:name="" uc:id="W61506">L05</uc:term>
              </uc:group>
              <uc:group uc:name="Judgements, specified" uc:key="" uc:index="1" uc:id="W615">
                <uc:term uc:name="" uc:id="W61501">Insolvent.</uc:term>
                <uc:term uc:name="" uc:id="W61502">200810</uc:term>
                <uc:term uc:name="" uc:id="W61503">0000005624</uc:term>
                <uc:term uc:name="" uc:id="W61504" />
                <uc:term uc:name="" uc:id="W61506">L05</uc:term>
              </uc:group>
              <!-- ... -->
            </uc:report>
          </uc:reports>
        </uc:xmlReply>
      </uc:ucReport>
    </uc:ucReply>
  </soap:Body>
</soap:Envelope>