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Bureau Rule Engine · Live in production

Credit decisions,
in milliseconds.

CreditRun° reads an applicant's CRIF High Mark bureau report, runs it through your lending policy and returns an explainable decision — approve, review or reject, with a risk score, a recommended amount and the exact rules behind it. One REST call.

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A product of Unicorn Fintech Pvt Ltd

50+
configurable credit rules
10
rule categories
10
risk presets, Growth → Ultra Safe
4
clear outcomes with reasons
How it works

From application to decision in four steps.

  1. 01

    Send the applicant

    Name, mobile, PAN, date of birth, income and the amount requested — over HTTPS with your API key.

  2. 02

    Bureau data

    Pass your own CRIF report, or let CreditRun° pull it live from CRIF High Mark. Recent reports are reused, so you are not billed twice.

  3. 03

    Run your policy

    The report is turned into features — DPD history, enquiries, write-offs, FOIR, score trend — and checked against the rules in your config.

  4. 04

    Get the decision

    APPROVED, MANUAL_REVIEW, REJECTED or HARD_REJECTED, with a risk score, recommended amount and every failed rule spelled out.

The rulebook

Your credit policy, as configuration.

Every rule has its own threshold, weight and impact — reject, hard-reject or route to manual review. Turn rules on or off, tune limits, and version every change.

Applicant profile

Age band, employment type, salary band, blocked pincodes and states.

Bureau score

Minimum score, new-to-credit handling, score band limits.

Credit history

Length of history, average account age, thin-file risk.

Enquiries

Hard enquiries in the last 3, 6 and 12 months; credit-hunger signals.

Delinquency (DPD)

Max DPD across 3–36 months, 30+/60+/90+ counts, current overdues.

Derogatory flags

Suit filed, wilful default, write-offs and settlements.

Outstanding liabilities

Active and unsecured accounts, outstanding balances, total EMI.

Repayment capacity

FOIR caps and minimum income left after obligations.

Loan structuring

Salary-to-amount ratio and FOIR-based amount caps.

NTC & special segments

Amount and tenure caps for new-to-credit, payday and MFI exposure.

Start from a preset
L1 GrowthL3L5 BalancedL7 StrictL10 Ultra Safe

Ten presets scale score floors, FOIR caps, DPD tolerance and write-off limits together, so a new config is sensible from minute one.

Bureau integration

Built around CRIF High Mark.

CreditRun° speaks CRIF's secure three-stage inquiry flow natively and parses the full consumer report — tradelines, inquiry history, score trends and performance attributes — into decision-ready features.

  • Auto-fetch. Set auto_generate_report and CreditRun° pulls the report for you.
  • Smart caching. A recent report for the same PAN is reused instead of paying for another pull.
  • Bring your own. Already have the report? Send the raw CRIF JSON and we parse it.
  • Full audit. Every pull is logged with its report ID, status and timing.
The console

Everything a credit team needs to tune policy safely.

Test playground

Enter an applicant, fetch their CRIF report and see the decision rule-by-rule before anything goes live.

Champion / challenger

Run a second config alongside the live one and compare outcomes on the same applicant.

Bulk runner

Upload a CSV and score a whole portfolio across several configs at once.

Sweep analytics

Approval, rejection and review rates per config, with average risk and bureau scores.

Decision logs

Every evaluation is stored with its inputs, passed, failed and skipped rules — ready for audit.

Clients & keys

Issue API keys per client, pin each client to its own config, revoke instantly.

Isolated accounts

Each account has its own configs, clients, logs and CRIF settings — nothing is shared.

Transparent billing

Monthly usage for evaluations and bureau pulls, broken down month by month.

Developer API

One endpoint. One decision.

Authenticate with an X-API-Key header and POST the applicant. The response carries the outcome, risk score, recommended amount and a full rule-by-rule trace you can store or show your credit team.

  • JSON in, JSON out over HTTPS
  • Choose a config per call, or use the client's default
  • Health endpoint for your monitoring
POST /api/v1/evaluate
curl https://creditrun.in/api/v1/evaluate \
  -H "X-API-Key: crk_••••••••" \
  -H "Content-Type: application/json" \
  -d '{
    "first_name": "Priya",
    "last_name": "Sharma",
    "mobile": "98xxxxxx10",
    "pan": "ABCDE1234F",
    "dob": "15-05-1991",
    "salary": 45000,
    "request_amount": 25000,
    "auto_generate_report": true
  }'

{
  "outcome": "APPROVED",
  "risk_score": 2.1,
  "bureau_score": 724,
  "recommended_amount": 25000,
  "failed_rules": [],
  "elapsed_ms": 41
}
Security

Designed for regulated lending.

Encrypted in transit

All traffic is served over TLS; bureau calls go directly to CRIF's secure service.

Hashed API keys

Keys are shown once and stored only as SHA-256 hashes.

Tenant isolation

Every query is scoped to the signed-in account — data never crosses accounts.

Audit trail

Sign-ins, config edits, key changes and bureau pulls are all logged.

Ready to run your policy?

Sign in to the CreditRun° console to configure rules, connect CRIF and issue API keys.

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