> ## Documentation Index
> Fetch the complete documentation index at: https://docs.payvessel.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Credit Score API

> PayVessel credit score API for Nigerian customer risk grading, underwriting, limits, and lending decisions.

The PayVessel **credit score API** provides a score-oriented risk signal that can support underwriting, limits, pricing, or access decisions.

## Best For

* Lending decisions
* Tiered product access
* Risk-based pricing or approval logic

## What You Submit

You provide:

* Mobile number
* ID number
* Optional extended metadata

## What You Get Back

The response can include:

* `credit_score`
* `version`
* `request_id`

## How To Use It

* Define score bands that map to approval or review outcomes
* Combine the score with identity verification and blacklist results
* Keep score use consistent with your compliance and product policy