Consumer Reports

API for access to Swedish consumer credit information and credit reports. Can be used in connection with credit agreements, guarantees or rental agreements. 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.

What follows below is a short list consisting of test objects.

Personnummer Namn
490701-1813 Zerykier, “Kjell” Börje Håkan
400612-8989 Larsson, Birgitta, “Margareta”
651223-3666 Bergman,”Marika”
330319-0718 Bäckstedt, Hans “Olof”’
520719-9398 Dahllöf, Paul “Lennart” Werner

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 is done by using ”MY_USERID” and ”MY_PASSWORD”.

<soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/"> 
   <soapenv:Header />
   <soapenv:Body xmlns:ucor="http://www.uc.se/schemas/ucOrderRequest/">
     <ucor:identityCheck ucor:version="2.2" ucor:identifier="330319-0718">
       <ucor:customer>
         <ucor:userId>MY_USERID</ucor:userId>
         <ucor:password>MY_PASSWORD</ucor:password>
       </ucor:customer>
     </ucor:identityCheck>
   </soapenv:Body>
 </soapenv:Envelope>

Process Flow

A regular process flow begins with an identity check, confirming that the person is the one whom you want to make a credit assessment on.

After that, you retrieve a credit report by requesting the ‘individualReport’ service.

The report can be received in various formats, namely PDF, HTML and XML. For the XML report there is a document describing the different W-posts that can occur.

Example

Example request identity check for 330319-0718

Request

<soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/">
  <soapenv:Header />
  <soapenv:Body xmlns:ucor="http://www.uc.se/schemas/ucOrderRequest/">
    <ucor:identityCheck ucor:version="2.2" ucor:identifier="330319-0718">
      <ucor:customer>
        <ucor:userId>MY_USERID</ucor:userId>
        <ucor:password>MY_PASSWORD</ucor:password>
      </ucor:customer>
    </ucor:identityCheck>
  </soapenv:Body>
</soapenv:Envelope>

Response

<soap:Envelope xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/">
  <soap:Body>
    <uc:ucReply xmlns:uc="http://www.uc.se/schemas/ucOrderReply/">
      <uc:status uc:result="ok" />
      <uc:ucReport>
        <uc:xmlReply>
          <uc:reports uc:lang="swe">
            <uc:report uc:index="0" uc:styp="KTRL" uc:name="'Hans' Olof Backstedt" uc:id="3303190718">
              <uc:group uc:name="ID-uppgifter, fysiker" uc:key="" uc:index="0" uc:id="W080">
                <uc:term uc:id="W08001">9330319071</uc:term>
                <uc:term uc:id="W08002">3303190718</uc:term>
                <uc:term uc:id="W08003">'Hans' Olof Backstedt</uc:term>
                <uc:term uc:id="W08004">Skogsvagen 29 Lgh 1105</uc:term>
                <uc:term uc:id="W08005">87114</uc:term>
                <uc:term uc:id="W08006">Harnosand</uc:term>
                <!-- ... -->
              </uc:group>
            </uc:report>
          </uc:reports>
        </uc:xmlReply>
      </uc:ucReport>
    </uc:ucReply>
  </soap:Body>
</soap:Envelope>

Example request individual report for 330319-0718

Request

<soapenv:Envelope xmlns:soapenv="http://schemas.xmlsoap.org/soap/envelope/">
  <soapenv:Header />
  <soapenv:Body xmlns:ucor="http://www.uc.se/schemas/ucOrderRequest/">
    <ucor:individualReport ucor:product="3" ucor:version="2.2">
      <ucor:customer>
        <ucor:userId>YOUR_USERID</ucor:userId>
        <ucor:password>YOUR_PASSWORD</ucor:password>
      </ucor:customer>
      <ucor:individualReportQuery 
        ucor:xmlReply="1" 
        ucor:htmlReply="0" 
        ucor:reviewReply="0" 
        ucor:pdfReply="0" 
        ucor:extendedDetails="1" 
        ucor:lang="SE">
        <ucor:object>330319-0718</ucor:object>
        <ucor:override />
      </ucor:individualReportQuery>
    </ucor:individualReport>
  </soapenv:Body>
</soapenv:Envelope>

Response

<soap:Envelope xmlns:soap="http://schemas.xmlsoap.org/soap/envelope/">
  <soap:Body>
    <uc:ucReply xmlns:uc="http://www.uc.se/schemas/ucOrderReply/">
      <uc:status uc:result="ok" />
      <uc:ucReport>
        <uc:xmlReply>
          <uc:reports uc:lang="swe">
            <uc:report uc:index="0" uc:styp="3" uc:name="'Hans' Olof Backstedt" uc:id="3303190718">
              <uc:group uc:name="ID-uppgifter, fysiker" uc:key="" uc:index="0" uc:id="W080">
                <uc:term uc:id="W08001">9330319071</uc:term>
                <uc:term uc:id="W08002">3303190718</uc:term>
                <uc:term uc:id="W08003">'Hans' Olof Backstedt</uc:term>
                <uc:term uc:id="W08004">Skogsvagen 29 Lgh 1105</uc:term>
                <uc:term uc:id="W08005">87114</uc:term>
                <uc:term uc:id="W08006">Harnosand</uc:term>
                <!-- ... -->
              </uc:group>
              <uc:group uc:name="Handelser kreditengagemang" uc:key="193303190718" uc:index="0" uc:id="W46A">
                <uc:term uc:id="W46A01">20180401</uc:term>
                <uc:term uc:id="W46A02">0</uc:term>
              </uc:group>
              <uc:group uc:name="Summering handelser kreditengagemang" uc:key="193303190718" uc:index="0" uc:id="W46B">
                <uc:term uc:id="W46B01">20180401</uc:term>
                <uc:term uc:id="W46B02">0</uc:term>
              </uc:group>
              <uc:group uc:name="Inkomstuppgifter" uc:key="2016" uc:index="0" uc:id="W491">
                <uc:term uc:id="W49101">2016</uc:term>
                <uc:term uc:id="W49117">219</uc:term>
              </uc:group>
              <!-- ... -->
            </uc:report>
          </uc:reports>
        </uc:xmlReply>
      </uc:ucReport>
    </uc:ucReply>
  </soap:Body>
</soap:Envelope>