Instant Alternative Credit Data for Smarter Decisioning

1import klearlink
2‍
3api_key = "12345"
4client = klearlink.client(api_key)
5
6consumer_info = {
7  "consumer_facts": {
8    "first_name": "John",
9    "last_name": "Doe",
10    [...others]
11  },
12  "credit_facts": {
13    "amount": 1000,
14    "credit_type": "PDL",
15    "application_datetime": "2024-09-23 21:47:12.023476",
16    "credit_state": "applied"
17  }
18}
19
20consumer_match = client.submit_consumer_credit(consumer_info)

1print(consumer_match)
2>>>
3{
4  "consumer_match": [
5    {
6      "matched_on": {
7        "first_name": true,
8        "last_name": true,
9        "date_of_birth": true,
10        "address": true,
11        "phone_number": false
12      },
13      "credit_facts": {
14        "amount": 1200,
15        "credit_type": "PDL",
16        "payment_amount_due": 1200,
17        "credit_state": "non-compliant",
18        [...]
19      }
20    }
21  ]
22}

1non_compliant_found = any(
2    match.get("credit_facts", {}).get("credit_state") == "non-compliant"
3    for match in consumer_match.get("consumer_match", [])
4)
5
6if non_compliant_found: 
7    print("My applicant has a non compliant loan!")
8else:
9    print("My applicant is in compliance on their loans!")   

1@your_api_server.route("/klearlink-webhook-callback", methods=["POST"])
2def klearlink-webhook() -> tuple[Response, int]:
3    data = request.get_json()
4
5    print(f"User with id of {data.id} has new klearlink data!")
6
7    return ("", 200)