Sandbox Environment Production Environment
Overview
Get started
Key features
Technical documentation
Documentation
How to use the API
Changes and versioning
How to test
Contact us
Overview

The Bisnode RiskGuardian Credit Information Person API contains individuals risk and credit information in the Nordics. The available data varies between countries due to local legislation and data sources. This data can help you do more reliable business when financial assessments of private individuals are necessary.

NOTE: This dataset can only be used if you have a legitimate reason to do so, i.e. evaluating risk in a credit assessment purpose or have an ongoping credit engagement with the person. For Norway and Sweden a letter of notification will be sent to the consumer upon data extraction

  
Authentication
To use the Credit Information Persons REST API, you need a client ID and a secret. Use OAuth2 for authentication. More information here.
Get started

You’ll need to create a Bisnode ID or you can use your GitHub account to login here.

  • Sandbox API Key (you need to be logged in with your Bisnode ID or GitHub account)
For easy access we have provided you with a postman collection here.
Key Features

Person data available through an API with full Nordic coverage

Provides you with high quality risk and credit data.

  • High quality credit information for profitable decisions
  • Avoid credit losses by doing business with the right customers
  • Get stable customers that you know can pay on time
  • Get new insights by combining your own customer data with Bisnode consumer data

 
Technical documentation
Please check our technical documentation for our API here.
 
Documentation
How to use the API

This guide is intended to help you get going with your integration against the Bisnode Credit Information B2C API. It serves as a complement to the  Endpoint Reference  and aims to bring a high level understanding of the key concepts of the platform. 

For questions and support, please contact Bisnode at api-support@bisnode.com

 

Search Denmark

Consumer search lets you search for a person by entering the national identification number (CPR-number) or name and date of birth. The response contains name, address, date of birth and “personId”.

 

Credit information Denmark

If you already have done a consumer search, you have retrieved a “personId”. Please use the personId as input, and not the CPR-number.

If you like to do verification and credit check in the same request and know the person’s CPR-number (“nationalIdentificationNumber”), you can use that as an input.

Changes and versioning
API version is provided in the base of the requested URL in the form of "v1", "v2" etc. Only major version numbers are used.
 
API versions are raised only on breaking (i.e. backwards incompatible) changes in the API. Fields may be added but will never be removed during an API version lifecycle. When developing your application, take care to ensure that your application is able to handle additional fields.
How to test

Test data available in sandbox:

Country National Identification Number First name Last name c/o name Address Postal code Town Payment remark Payment remarks Description Status 
DK 0101851001 Hans Hansen   Boulevarden 12 6800 Varde yes 1 1985-01-01 Active
DK 0506941008 Susan Holm Svensson   Boulevarden 101 A 1 0002 6800 Varde yes 0 1984-06-05 Active
DK 0712614382 Karin Henriksen   Industrivænget 2 st th 9000 Aalborg yes 1 1986-12-07 Active
DK 0707614285 Jens  Mortensen   Boulevarden 101 1 mf 6800 Varde no 0 1961-07-07 Active (guardian)
DK 1312814362 Janne  Mortensen   Industrivænget 2 st tv 9000 Aalborg yes 0 1981-12-13 Active
DK 0705614857 Tage Olsen Larsen Boulevarden 14 6800 Varde yes 1 1961-05-07 Active
DK 0709614290 Grethe Roland   Industrivænget 10 st tv 9000 Aalborg no 0 1961-09-07 Active
DK 0708614815 Returns 400           n/a n/a Protected Name and adress Name- and address protected
DK 0702614074 Returns 400         n/a n/a Person is Deregistered The person is missing (70)
DK 0301811004 Returns 400         n/a n/a Has emigrated Person has left the country (80)
DK 0703614116 Returns 400         n/a n/a
Person is deceased		 Person is deceased (90)
DK 0707614293 Lars Henriksen   Svinget 50 9000 Aalborg yes 0 1961-07-07 IdentityStop
DK 0701614046 Hanne Frederikke Sofie Larsen   Boulevarden 14 6800 Varde no 0 1967-01-07 IdentityStop
DK 1301814026 Karina Larsen   Boulevarden 14 6800 Varde yes 2 1981-01-013 IdentityStop
DK 0709614401 Ove Brammer   Pr Caroline Amlg 2 9000 Aalborg no 0 1961-09-07 IdentityStop
SE 4502198429 Testperson Ann Kim  Walker   Rörejvägen 16993 Solna no 0 Zero Income, low credit worthines Legal incapacity 
SE 3310109123 Testperson Ture Tvättare c/o Borg Rosenborgsgatan 4 16993 Solna yes 1 Sole proprietorship, previous inquieries, Dept balance, Historical address  Active
SE 9807152393 Test Arbat  Haard   Rosenborgsgatan 4 16993 Solna n/a n/a The subject is blocked for report Blocked for report
SE 7502199255 Testperson Lena Magnusson   Rosenborgsgatan 4 16993 Solna yes 7 Has payment remarks, has current debt balance, no realestates Active
SE 7309069289 Personuppgift Skyddad     Åter Avsändare         Protected identity, good Credit Worthines, is married Name- and address protected
SE 4401127495 Testperson Lars Anders Johansen c/o Ståhl Box 16993 Produtv Bengtsbo 16993 Solna no 0 High credit worhtiness, c/o adress, box adress Active
SE 6703143435 Testperson Stig Skoogh   Box 12345 16993 Solna yes 3 Personal bankruptcy Active
SE 8801102388 Testperson Per Olsson   Rosenborgsgatan 4 16993 Solna no 0 High score, low income, has taxed real estate Active
SE 9009012395 Testperson Ulf Testsson    Rosenborgsgatan 4 16993 Solna no 0 High score, medium income, has taxed real estate Active
SE 7502199255 Testperson Lena Magnusson   Rosenborgsgatan 4 16993 Solna no 0 High income, historical dept balance  Active
SE 6607113146 Testperson Matilda Testsson   Poste Restante Gpo 16993 Solna no 0 Good credit worhtiness, high score, poste restande adress Active
NO 01010112377 Demo  Person   Testegata 76 4950 Risør yes 1 Has payment remark, multiple years of taxes, legal event; low score, business assignment Active
NO 01014700230 Paul Fos Smith   Boks 6300, Etterstad 0603 Oslo no   Business assignments, multiple years of taxes Active
NO 10105014045 Testperson Femten   Langkaia 1 0150 Oslo no   Business assignments, multiple years of taxes Active
NO 50094803435 Demo Utland Person    -   -   -  no   Missing address, multiple business assignments in different companies, multiple years of taxes Active
NO 24014021406 Camilla  Holm   Kronegata 100 6050 Ålesund no   High score, multiple years of taxes Active
NO 19127800238 Kaisa Fos Kall    -   -   -  no   Missing address Active
NO 05087949879 Gabriella Hansen   Kuldeveien 34 2560 Alvdal no   Blocked for credit assessments Active
NO 01016900733 Junior Fos Grinde   Boks 6300, Etterstad 0603 Oslo no   Low score Active
NO 05050250344 Patrick Fos Jeppesen   Boks 6300, Etterstad 0603 Oslo no   No income, 18 y.o.  Active
NO 01010112377 Demo Person   Testegata 76 4950 Risør yes 1 Has payment remark, business assignments, multiple years of taxes, low score Active
NO 09016618850 Miriam Smith   St. Halvorsvei 4 7014 Trondheim no   Business assignment, multiple years of taxes Active
NO 10106000099 Testperson 7   Langkaia 1 0150 Oslo yes 1 Has payment remark Active
FI 030465-9364 Mohamed Amina    Poste Restante 00250 Helsinki     alive, female, poste restante address, business connections. Bisnode ID: FI2101010969666  
FI 080880-974N Liisa 
Lempi Ljungberg
   PL 6 00661 Helsinki     alive, female, P.O. Box address, business connections, PRC test case (different name and address). Bisnode ID: FI2101010969663  
FI 070777-9389 Milla Malla  Meikäläinen   - - -     alive, female, no address, credit remarks. Bisnode ID: FI2101010969657  
FI 160162-9968 Kanerva  Tuulispää   Kumpulantie 3 00520 Helsinki     alive, female, credit remarks, business connections, PRC test case (different address). Bisnode ID: FI2101006369103  
FI 010868-998U Dagmar Armiida Nikula   Sepänkatu 11 B 34 70100 Kuopio     alive, female, business connections, scoring,   
FI 010113A953J Kurt Evald
Bergvall Tes
   Kasarminkatu 29 as 3 65100 Vaasa     Person has 2 child guardians. One permanent address.  
FI 020365-999P Valtter Niila Grönholm   Merkkitie 17 B 7 65100 Vaasa     Person has permanent address and domestic home municipality.  
FI 071259-999M Dmitri Jonatan Casimirsson   Sepänkatu 11 A 1 70100 Kuopio     Person has many domestic addresses, which are temporary.  
FI 160264-999N Tobias Kullervo Lepistö   Kumpulantie 3 00520 Helsinki     Person has permanent address and domestic home municipality.  
FI 311063-998H
Vilhelmiina
 Roos   Piirtoolantie 3 62300 Härmä     Person has permanent address and domestic home municipality.  
FI 040381-9983 Kukka-Maaria Taimi Metso   Kauppapuistikko 6 B 3 65100 Vaasa     Person has permanent address and domestic home municipality. Is deceased.  
FI 261298-998X Kukka-Maaria Jennika Etel  Haapakoski Henriksson   Sammatintie 6 M 136 00550 Helsinki     Person has temporary, primary and permanetn address types.Has name history.  
FI 261298-998X Kukka-Maaria Jennika Etel  Haapakoski Henriksson   Sammatintie 6 M 136 00550 Helsinki     Person has temporary, primary and permanetn address types.Has name history.  
FI 261298-998X Kukka-Maaria Jennika Etel  Haapakoski Henriksson   Sammatintie 6 M 136 00550 Helsinki     Person has temporary, primary and permanetn address types.Has name history.  
FI 070560-9976 Sigvard Jonathan Kivinen   Laanen maantee 1 Tarto viro     Person has primary address and many different temporary addresses on past.  
FI 070560-9976 Sigvard Jonathan Kivinen   Laanen maantee 1 Tarto viro     Person has primary address and many different temporary addresses on past.  
FI 070560-9976 Sigvard Jonathan Kivinen   Laanen maantee 1 Tarto viro     Person has primary address and many different temporary addresses on past.  
FI 191148-999R Dmitri Jonathan Kataja   Vöyrinkatu 19b as 1 65100 Vaasa     Person with BRIC.  
FI 231162-999X àáâãæçðèéêëìíîïñòóôõøþùúûüýÿ
ÀÁÂÃÆÇÐÈÉÊËÌÍÏÑÒÓÔÕØßÞÙÚÛÜÝ
             Person has a name with special characters.  
FI 040381-9983 Kukka-Maaria Taimi Metso   Kauppapuistikko 6 B 3 65100 Vaasa     Person is dead, date of death included.  
FI 271169-999A Ben  Pietiläinen   - - -     Person has no address or home municipality in Finland.