applyForCreditEnhanced

Submits a credit application and renders a decision.
This web service is for use with the D&B Finance Analytics Application - Decision Maker module. Data from multiple bureaus (D&B and Equifax) can be used in the decision, as well Small Business Risk Insight (SBRI) data. Fields defined within the Credit Application Template of Decision Maker are used in the inputs of the service.

The data in the Credit Application Template, Bureau name, Credit Recommendation, Credit Rule triggered and the reason the rule was triggered are all returned in the result.

Apart from the conventional Apply For Credit, the enhanced version of the web service takes an extra input parameter from user, to send back in response, Corporate Linkage Information and Company Information for the DUNS Provided.

Input Parameters:

Name XML Input Parameter Type Description Mandatory (M)/ Optional (O) Possible Values
Business Name One of the Field in the Field List for the Application.
<FieldDTO>

more info
Text Business Name of the application. This parameter is not case sensitive M e.g.: GORMAN MANUFACTURING COMPANY, INC
Bureau Name One of the Field in the Field List for the Application.
<FieldDTO>

more info
Text Name of the bureau to be used for pulling bureau data. The information provided under other FieldDTOs is used for matching. O
  • dnb
  • equifax-business
Internal Application Values <cred:allFieldList>

more info
Text Application specific values M
  • Requested Amount
  • Guarantee available flag
exactCompanyMatchRequiredFlag <cred:exactCompanyMatchRequiredFlag>

more info
Boolean This field indicates whether the user requires a list of similars in the absence of an exact match M true or false
HQ DUNS Needed <cred:HQDunsNeeded>

more info
Boolean This field indicates whether the user requires the corporate linkage data. M true or false


Output Parameters:

Name XML Output Parameter Type Description Possible Values
Application Id <applicationId>

more info
Text The unique number assigned to the application, assigned by D&B Finance Analytics FCC36EAN

Bureau ID/Type List

<BureauIdDTO>

more info
Text The list of business bureaus used for credit decisioning
  • dnb
  • equifax-business

Status

<status>

more info
Text Decision on whether credit can be given or not e.g.: Approved, Declined
Decision Outcome with supporting data <decisionOutcome>

more info
Text The data that was used to arrive at the credit recommendation decision:
 - Credit Decision
 - Credit Limit
 - Payment Terms
 - Early Pay Discounts
 - Analyst Instructions
 - Decision Rule that triggered the decision, as    well as the actual values of all variables used    in the decision rule
 - Methodoly Table (if used)
NA

Corporate Linkage

<corporateLinkageDTO>

more info
CorporateLinkageDTO The linkage information is a part of response if flag for tradeup to HQ is true. Corporate linkage DTO has the following information:
  • DUNS Number
  • HQ DUNS Number
  • Parent DUNS Number
  • Global Ultimate DUNS Number
e.g: 80-473-5132

Company Info

<companyInfoDTO>

more info
CompanyInfoDTO Contains the company information as following:
  • Company Name
  • Address
  • Address 2
  • City
  • State
  • ZIP Code
  • Country
  • Phone Number
e.g:
  • DNB
  • Address
  • Address 2
  • San Mateo
  • CA
  • 12345
  • US
  • 650-234-1234

Date

<dateOfDecisioning>

more info
Date The Date/Time of the credit decision. e.g.:
2009-08-19T23:25:04.224Z

Exceptions Thrown:

Sample Code

This section provides sample code for applyForCreditEnhanced api. D&B web services support both the Java and .NET client.

.NET - C#

.Net provides the tool called "wsdl.exe" for creating the proxies from the WSDL.
View sample .Net-C# code

.JAVA - Axis

Axis provides the tool "WSDL2Java" for creating the proxies from the WSDL
View sample java-axis code

SOAP

View sample Request
View sample Response