--- title: V1 slug: connect/HSmI-v1 docTags: createdAt: 2023-11-21T06:26:45.825Z --- :::ExpandableHeading # pf\_credit\_risk ```json { "code": 200, "message": "OK", "requestId": "112334", "productName": "pf_credit_risk", "productVersion": "V1", "productReportId": "4b2c1648-231f-11eb-97c4-f45c899f4587", "productReportTime": "2019-12-23T06:10:43", "enquiryCpf": "12345678909", "links": [ { "linkId": "gPuKXrCJU05J4k", "institutionCode": "033", "consents": [ { "consentId": "f55c899f-11eb-231f-97c4-4b2c16484587", "permissions": { "REGISTRATION_ALL": { "permissionsGranted": true, "accountIds": [ "123456" ] } } } ] } ], "creditRisk": { "personalInfo": { "accounts": [ { "brandName": "Organização A", "bacenName": "Organização A", "compeCode": "001" } ], "civilName": "Mike" }, "labelDetails": [ { "labelCode": "F000007", "labelName": "Longest checking account age", "labelValue": 210 }, { "labelCode": "F000009", "labelName": "Checking account balance", "labelValue": 73.76 }, { "labelCode": "F000010", "labelName": "Checking account daily average balance last 30 days", "labelValue": 2001.73 }, { "labelCode": "F000011", "labelName": "Checking account daily average balance last 60 days", "labelValue": 2279.67 }, { "labelCode": "F000012", "labelName": "Checking account daily average balance last 90 days", "labelValue": 2286.2 }, { "labelCode": "F000013", "labelName": "Checking account daily average balance last 120 days", "labelValue": 2267.76 }, { "labelCode": "F000014", "labelName": "Checking account daily average balance last 180 days", "labelValue": 1777.55 }, { "labelCode": "F000015", "labelName": "Checking account daily average balance last 360 days", "labelValue": 1728.77 }, { "labelCode": "F000016", "labelName": "Highest overdraft limit", "labelValue": 16200 }, { "labelCode": "F000019", "labelName": "Longest credit card age", "labelValue": 210 }, { "labelCode": "F000020", "labelName": "Longest credit card transaction age", "labelValue": -999999 }, { "labelCode": "F000021", "labelName": "Highest credit card limit", "labelValue": 61600 }, { "labelCode": "F000025", "labelName": "Total amount of cash inflow last 30 days", "labelValue": 100 }, { "labelCode": "F000027", "labelName": "Total amount of cash inflow last 90 days", "labelValue": 300 }, { "labelCode": "F000031", "labelName": "Count of cash inflow transactions last 30 days", "labelValue": 12 }, { "labelCode": "F000033", "labelName": "Count of cash inflow transactions last 90 days", "labelValue": 40 }, { "labelCode": "F000089", "labelName": "Total amount of cash outflow last 30 days", "labelValue": 90 }, { "labelCode": "F000091", "labelName": "Total amount of cash outflow last 90 days", "labelValue": 150 }, { "labelCode": "F000095", "labelName": "Count of cash outflow transactions last 30 days", "labelValue": 8 }, { "labelCode": "F000097", "labelName": "Count of cash outflow transactions last 90 days", "labelValue": 17 }, { "labelCode": "F000121", "labelName": "Longest period of credit card installment payment last 30 days", "labelValue": 0 }, { "labelCode": "F000123", "labelName": "Longest period of credit card installment payment last 90 days", "labelValue": 6 }, { "labelCode": "F000124", "labelName": "Longest period of credit card installment payment last 120 days", "labelValue": 0 }, { "labelCode": "F000149", "labelName": "Total amount of overdraft interest transactions last 180 days", "labelValue": 0 }, { "labelCode": "F000173", "labelName": "Total amount of debt renegotiation transactions last 30 days", "labelValue": 100.63 }, { "labelCode": "F000175", "labelName": "Total amount of debt renegotiation transactions last 90 days", "labelValue": 4523.44 }, { "labelCode": "F000590", "labelName": "Total amount of car insurance expenses last 360 days", "labelValue": 0 }, { "labelCode": "F000694", "labelName": "Most recent marital status", "labelValue": "SOLTEIRO" }, { "labelCode": "F000695", "labelName": "Total number of phone number registered", "labelValue": 1 }, { "labelCode": "F000696", "labelName": "Total number of email registered", "labelValue": 1 }, { "labelCode": "F000697", "labelName": "Total number of address registered", "labelValue": 1 }, { "labelCode": "F000698", "labelName": "Earliest Declared Income", "labelValue": 30000 }, { "labelCode": "F000699", "labelName": "Most recent occupation code type", "labelValue": "CBO" }, { "labelCode": "F000701", "labelName": "Credit card limit amount reason", "labelValue": [] }, { "labelCode": "F000702", "labelName": "Total outstanding liabilities balance", "labelValue": 34213.6 }, { "labelCode": "F000703", "labelName": "Count of outstanding liabilities", "labelValue": 3 }, { "labelCode": "F000704", "labelName": "Total amount of real cash inflow last 30 days", "labelValue": 123.26 }, { "labelCode": "F000705", "labelName": "Total amount of real cash inflow last 90 days", "labelValue": 39104.22 }, { "labelCode": "F000706", "labelName": "Count of real cash inflow last 30 days", "labelValue": 10 }, { "labelCode": "F000707", "labelName": "Count of real cash inflow last 90 days", "labelValue": 20 }, { "labelCode": "F000720", "labelName": "Count of active income streams last 90 days", "labelValue": 1 }, { "labelCode": "F000721", "labelName": "Coefficient variation of all active income last 90 days", "labelValue": 1.35 }, { "labelCode": "F000722", "labelName": "Coefficient variation of all active income last 180 days", "labelValue": 1.38 }, { "labelCode": "F000723", "labelName": "Coefficient variation of all active income last 360 days", "labelValue": 1.73 }, { "labelCode": "F000725", "labelName": "Total amount of regular salary last 90 days", "labelValue": 0 }, { "labelCode": "F000772", "labelName": "Total amount of real cash outflow last 30 days", "labelValue": 75 }, { "labelCode": "F000773", "labelName": "Total amount of real cash outflow last 90 days", "labelValue": 49270.53 }, { "labelCode": "F000774", "labelName": "Total amount of real cash outflow last 180 days", "labelValue": 89437.62 }, { "labelCode": "F000775", "labelName": "Total amount of real cash outflow last 360 days", "labelValue": 173114.86 }, { "labelCode": "F000776", "labelName": "Count of real cash outflow last 30 days", "labelValue": 9 }, { "labelCode": "F000777", "labelName": "Count of real cash outflow last 90 days", "labelValue": 63 }, { "labelCode": "F000778", "labelName": "Count of real cash outflow last 180 days", "labelValue": 124 }, { "labelCode": "F000779", "labelName": "Count of real cash outflow last 360 days", "labelValue": 215 }, { "labelCode": "F000780", "labelName": "Coefficient variation of real cash outflow last 90 days", "labelValue": 2.47 }, { "labelCode": "F000781", "labelName": "Coefficient variation of real cash outflow last 180 days", "labelValue": 2.31 }, { "labelCode": "F000782", "labelName": "Coefficient variation of real cash outflow last 360 days", "labelValue": 2.24 }, { "labelCode": "F000791", "labelName": "Max amount of credit card bill last 1 closed bill", "labelValue": 9505.19 }, { "labelCode": "F000792", "labelName": "Total amount of credit card bill last 1 closed bill", "labelValue": 10310.11 }, { "labelCode": "F000793", "labelName": "Max count of credit card transaction last 1 closed bill", "labelValue": 6 }, { "labelCode": "F000794", "labelName": "Total count of credit card transaction last 1 closed bill", "labelValue": 6 }, { "labelCode": "F000795", "labelName": "Max amount of credit card transaction last 1 closed bill", "labelValue": 0 }, { "labelCode": "F000796", "labelName": "Avg monthly amount of credit card transaction last 1 closed bill", "labelValue": 284.63 }, { "labelCode": "F000797", "labelName": "Max amount of credit card bill last 3 closed bills", "labelValue": 10098.37 }, { "labelCode": "F000798", "labelName": "Total amount of credit card bill last 3 closed bills", "labelValue": 30507.81 }, { "labelCode": "F000799", "labelName": "Max count of credit card transaction last 3 closed bills", "labelValue": 6 }, { "labelCode": "F000800", "labelName": "Total count of credit card transaction last 3 closed bills", "labelValue": 17 }, { "labelCode": "F000801", "labelName": "Max amount of credit card transaction last 3 closed bills", "labelValue": 310.9 }, { "labelCode": "F000802", "labelName": "Avg monthly amount of credit card transaction last 3 closed bills", "labelValue": 293.39 }, { "labelCode": "F000803", "labelName": "Total amount of credit card bill settlement in checking last 30 days", "labelValue": 10146.19 }, { "labelCode": "F000804", "labelName": "Total amount of credit card bill settlement in checking last 90 days", "labelValue": 21807.45 }, { "labelCode": "F000805", "labelName": "Count of credit card bill settlement transaction in checking last 30 days", "labelValue": 3 }, { "labelCode": "F000806", "labelName": "Count of credit card bill settlement transaction in checking last 90 days", "labelValue": 6 }, { "labelCode": "F000807", "labelName": "Total amount of credit card bill settlement in creditcard last 30 days", "labelValue": 0 }, { "labelCode": "F000808", "labelName": "Total amount of credit card bill settlement in creditcard last 90 days", "labelValue": 0 }, { "labelCode": "F000809", "labelName": "Count of credit card bill settlement transaction in creditcard last 30 days", "labelValue": 0 }, { "labelCode": "F000810", "labelName": "Count of credit card bill settlement transaction in creditcard last 90 days", "labelValue": 0 }, { "labelCode": "F000812", "labelName": "Credit card limit utilization", "labelValue": 0.29 }, { "labelCode": "F000815", "labelName": "Total amount of credit card bill installment payment last 30 days", "labelValue": 0 }, { "labelCode": "F000816", "labelName": "Total amount of credit card bill installment payment last 90 days", "labelValue": 0 }, { "labelCode": "F000817", "labelName": "Total amount of credit card revolving balance last 30 days", "labelValue": 0 }, { "labelCode": "F000818", "labelName": "Total amount of credit card revolving balance last 90 days", "labelValue": 0 }, { "labelCode": "F000819", "labelName": "Max days of payment overdue last 30 days", "labelValue": 0 }, { "labelCode": "F000820", "labelName": "Max days of payment overdue last 90 days", "labelValue": 0 }, { "labelCode": "F000821", "labelName": "Max days of payment overdue last 180 days", "labelValue": 0 }, { "labelCode": "F000822", "labelName": "Total days of payment overdue last 30 days", "labelValue": 0 }, { "labelCode": "F000823", "labelName": "Total days of payment overdue last 90 days", "labelValue": 0 }, { "labelCode": "F000824", "labelName": "Total days of payment overdue last 180 days", "labelValue": 0 }, { "labelCode": "F000825", "labelName": "Max amount of payment overdue last 30 days", "labelValue": 0 }, { "labelCode": "F000826", "labelName": "Max amount of payment overdue last 90 days", "labelValue": 0 }, { "labelCode": "F000827", "labelName": "Max amount of payment overdue last 180 days", "labelValue": 0 }, { "labelCode": "F000828", "labelName": "Total amount of payment overdue last 30 days", "labelValue": 0 }, { "labelCode": "F000829", "labelName": "Total amount of payment overdue last 90 days", "labelValue": 0 }, { "labelCode": "F000830", "labelName": "Total amount of payment overdue last 180 days", "labelValue": 0 }, { "labelCode": "F000831", "labelName": "Count of payment overdue last 90 days", "labelValue": 0 }, { "labelCode": "F000832", "labelName": "Count of payment overdue last 180 days", "labelValue": 0 }, { "labelCode": "F000833", "labelName": "Count of payment overdue last 360 days", "labelValue": 0 }, { "labelCode": "F000834", "labelName": "Total amount of basic needs expenses last 90 days", "labelValue": 10501.64 }, { "labelCode": "F000835", "labelName": "Total amount of basic needs expenses last 180 days", "labelValue": 12081.52 }, { "labelCode": "F000836", "labelName": "Total amount of basic needs expenses last 360 days", "labelValue": 14506.23 }, { "labelCode": "F000837", "labelName": "Total amount of loan in last 30 days", "labelValue": 0 }, { "labelCode": "F000838", "labelName": "Total amount of loan in last 90 days", "labelValue": 0 }, { "labelCode": "F000839", "labelName": "Count of loan in transactions last 30 days", "labelValue": 0 }, { "labelCode": "F000840", "labelName": "Count of loan in transactions last 90 days", "labelValue": 0 }, { "labelCode": "F000841", "labelName": "Total amount of loan out last 30 days", "labelValue": 0 }, { "labelCode": "F000842", "labelName": "Total amount of loan out last 90 days", "labelValue": 0 }, { "labelCode": "F000843", "labelName": "Count of loan out transactions last 30 days", "labelValue": 0 }, { "labelCode": "F000844", "labelName": "Count of loan out transactions last 90 days", "labelValue": 0 }, { "labelCode": "F000845", "labelName": "Total amount of financing in last 30 days", "labelValue": 0 }, { "labelCode": "F000846", "labelName": "Total amount of financing in last 90 days", "labelValue": 0 }, { "labelCode": "F000847", "labelName": "Count of financing in transactions last 30 days", "labelValue": 0 }, { "labelCode": "F000848", "labelName": "Count of financing in transactions last 90 days", "labelValue": 0 }, { "labelCode": "F000849", "labelName": "Avg monthly amount of house financing in last 90 days", "labelValue": 0 }, { "labelCode": "F000850", "labelName": "Avg monthly amount of car financing in last 90 days", "labelValue": 0 }, { "labelCode": "F000851", "labelName": "Avg monthly amount of other financing in last 90 days", "labelValue": 0 }, { "labelCode": "F000852", "labelName": "Total amount of financing out last 30 days", "labelValue": 0 }, { "labelCode": "F000853", "labelName": "Total amount of financing out last 90 days", "labelValue": 0 }, { "labelCode": "F000854", "labelName": "Count of financing out transactions last 30 days", "labelValue": 0 }, { "labelCode": "F000855", "labelName": "Count of financing out transactions last 90 days", "labelValue": 0 }, { "labelCode": "F000856", "labelName": "Avg monthly amount of house financing out last 90 days", "labelValue": 0 }, { "labelCode": "F000857", "labelName": "Avg monthly amount of car financing out last 90 days", "labelValue": 0 }, { "labelCode": "F000858", "labelName": "Avg monthly amount of student financing out last 90 days", "labelValue": 0 }, { "labelCode": "F000859", "labelName": "Avg monthly amount of other financing out last 90 days", "labelValue": 0 }, { "labelCode": "F000860", "labelName": "Total amount of debt renegotiation reception last 30 days", "labelValue": 0 }, { "labelCode": "F000861", "labelName": "Total amount of debt renegotiation reception last 90 days", "labelValue": 0 }, { "labelCode": "F000972", "labelName": "Total amount of real cash inflow last 180 days", "labelValue": 74777.73 }, { "labelCode": "F000973", "labelName": "Total amount of real cash inflow last 360 days", "labelValue": 123885.26 }, { "labelCode": "F000974", "labelName": "Count of real cash inflow last 180 days", "labelValue": 44 }, { "labelCode": "F000975", "labelName": "Count of real cash inflow last 360 days", "labelValue": 75 }, { "labelCode": "F001002", "labelName": "Most recent occupation code", "labelValue": "000000000353235" }, { "labelCode": "F001085", "labelName": "Longest checking account transaction age 1 month ago", "labelValue": 10 }, { "labelCode": "F001094", "labelName": "Total count of credit card transaction last 6 closed bills", "labelValue": -999999 }, { "labelCode": "F001098", "labelName": "Longest savings account age", "labelValue": 183 }, { "labelCode": "F001101", "labelName": "Savings account daily average balance last 30 days", "labelValue": 0.67 }, { "labelCode": "F001102", "labelName": "Savings account daily average balance last 60 days", "labelValue": 0.33 }, { "labelCode": "F001103", "labelName": "Savings account daily average balance last 90 days", "labelValue": 0.44 }, { "labelCode": "F001104", "labelName": "Savings account daily average balance last 120 days", "labelValue": 0.33 }, { "labelCode": "F001105", "labelName": "Savings account daily average balance last 180 days", "labelValue": 0.94 }, { "labelCode": "F001106", "labelName": "Savings account daily average balance last 360 days", "labelValue": 1.09 }, { "labelCode": "F001231", "labelName": "Most recent declared income", "labelValue": 6000 } ] }, "externalInfo": { "myTraceId": "yourtraceid-1", "myUUID": "youruuid-1" } } ``` :::