Multi-Bureau Check

Run a multi-bureau check

To run a Multi-Bureau Check, you must create a check with type set to multi_bureau_check.

This check can only be performed on a client of type person. Furthermore, the provided address must contain all required attributes in line with our verifiable client attributes table.

Learn more about Multi-Bureau Checks.

This service includes a 2+2 check variant that applies a more exhaustive and stringent matching engine. Get in touch with your Account Manager or contact us to enable it.

Check request

Attribute

Type

Description

clientId

string

The ID of the client associated with this check. (Required)

type

string

This must be set to multi_bureau_check. (Required)

addressId

string

The ID of the address. (Required)

options

object

The optional settings for the check. Also, see the options object below. (Optional)

The `options` object

Attribute

Type

Description

twoPlusTwo

boolean

This will verify at least two identity attributes with two or more separate bureaus. When this attribute is not provided, it will default to false.

Example requests

Simple request

curl -X POST https://api.complycube.com/v1/checks \
     -H 'Authorization: <YOUR_API_KEY>' \
     -H 'Content-Type: application/json' \
     -d '{
          "clientId":"CLIENT_ID",
          "addressId":"ADDRESS_ID",
          "type": "multi_bureau_check"
        }'

Request with optional attributes

curl -X POST https://api.complycube.com/v1/checks \
     -H 'Authorization: <YOUR_API_KEY>' \
     -H 'Content-Type: application/json' \
     -d '{
          "clientId":"CLIENT_ID",
          "addressId":"ADDRESS_ID",
          "type": "multi_bureau_check",
          "options": {
                    "twoPlusTwo": true
          }
        }'

const { ComplyCube } = require("@complycube/api");

const complycube = new ComplyCube({ apiKey: "<YOUR_API_KEY>" });

const check = await complycube.check.create("CLIENT_ID", {
    type: "multi_bureau_check",
    addressId: "ADDRESS_ID",
    options: {
        twoPlusTwo: true
    }
});

from complycube import ComplyCubeClient

cc_api = ComplyCubeClient(api_key='<YOUR_API_KEY>')

request = {
    'addressId': 'ADDRESS_ID',
    'options': {
        'twoPlusTwo': True
    }
}

check = cc_api.checks.create('CLIENT_ID', 'multi_bureau_check', **request)

use ComplyCube\ComplyCubeClient;

$ccapi = new ComplyCubeClient('<YOUR_API_KEY>');
$check = [
    'type' => 'multi_bureau_check',
    'addressId' => 'ADDRESS_ID',
    'options' => [
        'twoPlusTwo' => true
    ]
];

$result = $ccapi->checks()->create('CLIENT_ID', $check);

using ComplyCube.Net;
using ComplyCube.Net.Resources.Checks;

var checkApi = new CheckApi(new ComplyCubeClient("<YOUR_API_KEY>"));

var checkRequest = new CheckRequest {
  clientId = "CLIENT_ID",
  type = "multi_bureau_check",
  addressId = "ADDRESS_ID"
};

checkRequest.options = new CheckRequestOptions {
  twoPlusTwo = true
};

var check = await checkApi.CreateAsync(checkRequest);

Result object

The result object is only returned when the status of the check is complete . It has two components - outcome and breakdown.

Outcome

The outcome attribute represents the overall check result. Returned values include:

clear: Indicates sufficient client attributes are successfully matched against bureaus, and hence the client's identity is verified.
attention: Indicates that at least one of the client attributes is only partially matched, or none were matched at all, requiring attention.

Breakdown

The breakdown comprises the following objects, which correspond to client attributes that are matched:

name: Result and breakdown of whether the client's name has been matched.
dob: Result and breakdown of whether the client's DOB has been matched.
address: Result and breakdown of whether the client's address has been matched.
idNumber: Result and breakdown of whether the client's ID number has been matched. An ID number may to an SSN, Social Insurance Number, National Identity Number, or Tax Number.

Each of the aforementioned objects will constitute the following:

outcome: For a given attribute, indicates whether a match was found with any of the bureaus. An outcome will have one of the following values:
- clear: Indicates an attribute fully matched with data held by bureaus.
- attention: Indicates an attribute partially matched with data held by bureaus.
- not_processed: Indicates an attribute was not found by bureaus.
breakdown: An array of objects detailing the match source. The object has the following attributes:
- status: Indicates whether a source or bureau has matched a client attribute.
  - clear: Indicates the source has fully matched the data attribute.
  - attention: Indicates the source has partially matched the data attribute.
- source: The source or bureau type that has matched the attribute. Values include:
  - credit_agency
  - government_authority
  - commercial_database
  - consumer_database
  - utility_authority
  - proprietary_database
  - telecom_agency
  - postal_authority
  - other_source
country: The country of the source or bureau that has matched the attribute. This will be the two-letter country ISO code.
hits: The number of times an attribute has been fully or partially matched by sources of a given type.

Sample Response

{
   "id": "614cfa9460fe4700098f3af1",
   "entityName": "John Doe",
   "type": "multi_bureau_check",
   "clientId": "5e94b75d01bce00008c86f02",
   "addressId": "6149f415cb31190008991522",
   "status": "complete",
   "result": {
      "outcome": "attention",
      "breakdown": {
         "name": {
            "outcome": "clear",
            "breakdown": [
               {
                  "status": "clear",
                  "source": "credit_agency",
                  "country": "US",
                  "hits": 1
               },
               {
                  "status": "clear",
                  "source": "government_authority",
                  "country": "US",
                  "hits": 1
               }
            ]
         },
         "address": {
            "outcome": "clear",
            "breakdown": [
               {
                  "status": "clear",
                  "source": "government_authority",
                  "country": "US",
                  "hits": 1
               }
            ]
         },
         "dob": {
            "outcome": "clear",
            "breakdown": [
               {
                  "status": "clear",
                  "source": "commercial_database",
                  "country": "US",
                  "hits": 1
               },
               {
                  "status": "clear",
                  "source": "credit_agency",
                  "country": "US",
                  "hits": 1
               }
            ]
         },
         "idNumber": {
            "outcome": "attention",
            "breakdown": [
               {
                  "status": "attention",
                  "source": "government_authority",
                  "country": "US",
                  "hits": 1
               }
            ]
         },
         "additionalChecks": {
            "outcome": "not_processed"
         }
      }
   },
   "createdAt": "2021-04-04T17:25:21.116Z",
   "updatedAt": "2021-04-04T17:25:26.116Z"
}

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Run a multi-bureau check

Check request

The options object

Example requests

Simple request

Request with optional attributes

Result object

Outcome

Breakdown

Sample Response

The `options` object