> For the complete documentation index, see [llms.txt](https://docs.fraudcheck.co.za/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.fraudcheck.co.za/product/products/screening/credit/individual-score.md).

# Individual credit score

Combines bureau data and fraud indicators into a 0–999 score and one Accept, Review or Reject decision.

Combines credit bureau data with fraud indicators to produce one risk classification and a score from 0 to 999 for a South African consumer. Use it as a quick decision input during onboarding, loan origination and account opening, instead of running several separate checks.

{% hint style="info" %}
Previously listed as *Credit Score*.
{% endhint %}

## How it works

The person's identity is matched at the bureau first, and the scored report is then retrieved. Both steps usually complete in a few seconds.

## What it returns

A final risk score, a risk category (Green, Amber or Red) and an overall classification suited to automated decisions; fraud indicators (SAFPS listing, deceased status, an employer-fraud match and protective verification); and adverse information (defaults, judgments and debt review status).

## Inputs required

The person's ID number, first name and last name, and a prescribed purpose for the enquiry. Middle name, date of birth, sex, cell number, email and employment details are optional; employment details improve the fraud signal.

## Data source

Credit bureau data combined with fraud indicators.

## Consent and permissible purpose

You must obtain the data subject's consent and declare a prescribed purpose for the enquiry on every request. Credit information may only be accessed for a permitted purpose, and the duty to have one stays with you. See [Consent and permissible use](/product/overview/how-it-works/consent.md) and the guide [Credit checks and prescribed purposes](https://developer.fraudcheck.co.za/guides/credit-checks-and-prescribed-purposes).

## Channels

Portal and API. For request and response detail, see the [API reference](https://developer.fraudcheck.co.za/consumer-service/credit-and-financial-risk/credit-score).

## Outcomes

* **Classification**: Accept, Review or Reject.
* **Risk category**: Green, Amber or Red.
* **Score**: 0–999.

## Turnaround

Near real-time, a few seconds.

## When to use it

Making one Accept, Review or Reject decision during onboarding, scoring loan applicants and account-opening requests, or combining credit and fraud risk into one step. Use [Individual credit check](/product/products/screening/credit/individual-check.md) when you need account-level detail rather than a decision.


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