Australia Credit Bureau

curl -X POST "https://verification.didit.me/v3/database-validation/" \
  -H "x-api-key: YOUR_API_KEY" \
  -F "issuing_state=AUS" \
  -F "services=aus_credit_bureau" \
  -F "vendor_data=user-1234" \
  -F "consent=true" \
  -F "first_name=John" \
  -F "last_name=Doe" \
  -F "date_of_birth=1990-01-01" \
  -F 'address={"street_1":"123 Sample Street","street_2":"Unit 4","city":"Sample City","region":"Sample State","postal_code":"10001","country":"US"}'

{
  "request_id": "req_01H…",
  "status": "Approved",
  "issuing_state": "AUS",
  "match_type": "full_match",
  "validations": [
    {
      "outcome_code": "MATCH",
      "service_id": "aus_credit_bureau",
      "service_name": "Australia Credit Bureau",
      "source_data": {
        "address": "123 Sample Street",
        "address_match_score": "1.000",
        "city": "Sample City",
        "date_of_birth": "1990-01-01",
        "first_name": "John",
        "full_name": "John Doe",
        "last_name": "Doe",
        "name_match_score": "1.000",
        "postal_code": "10001",
        "state": "Sample State",
        "street": "sample_value"
      },
      "validation": {
        "address": "full_match",
        "date_of_birth": "full_match",
        "full_name": "full_match"
      }
    }
  ]
}

{
  "request_id": "req_01H…",
  "status": "In Review",
  "issuing_state": "AUS",
  "match_type": "partial_match",
  "validations": [
    {
      "outcome_code": "PARTIAL_MATCH",
      "service_id": "aus_credit_bureau",
      "service_name": "Australia Credit Bureau",
      "source_data": {
        "address": "123 Sample Street",
        "address_match_score": "1.000",
        "city": "Sample City",
        "date_of_birth": "1990-01-01",
        "first_name": "John",
        "full_name": "John Doe",
        "last_name": "Doe",
        "name_match_score": "1.000",
        "postal_code": "10001",
        "state": "Sample State",
        "street": "sample_value"
      },
      "validation": {
        "address": "full_match",
        "date_of_birth": "full_match",
        "full_name": "no_match"
      }
    }
  ]
}

{
  "request_id": "req_01H…",
  "status": "Declined",
  "issuing_state": "AUS",
  "match_type": "no_match",
  "validations": [
    {
      "outcome_code": "NO_MATCH",
      "service_id": "aus_credit_bureau",
      "service_name": "Australia Credit Bureau",
      "source_data": {
        "address": "NO_MATCH",
        "date_of_birth": "NO_MATCH",
        "full_name": "NO_MATCH"
      },
      "validation": {
        "address": "no_match",
        "date_of_birth": "no_match",
        "full_name": "no_match"
      }
    }
  ]
}

POST

database-validation

curl -X POST "https://verification.didit.me/v3/database-validation/" \
  -H "x-api-key: YOUR_API_KEY" \
  -F "issuing_state=AUS" \
  -F "services=aus_credit_bureau" \
  -F "vendor_data=user-1234" \
  -F "consent=true" \
  -F "first_name=John" \
  -F "last_name=Doe" \
  -F "date_of_birth=1990-01-01" \
  -F 'address={"street_1":"123 Sample Street","street_2":"Unit 4","city":"Sample City","region":"Sample State","postal_code":"10001","country":"US"}'

{
  "request_id": "req_01H…",
  "status": "Approved",
  "issuing_state": "AUS",
  "match_type": "full_match",
  "validations": [
    {
      "outcome_code": "MATCH",
      "service_id": "aus_credit_bureau",
      "service_name": "Australia Credit Bureau",
      "source_data": {
        "address": "123 Sample Street",
        "address_match_score": "1.000",
        "city": "Sample City",
        "date_of_birth": "1990-01-01",
        "first_name": "John",
        "full_name": "John Doe",
        "last_name": "Doe",
        "name_match_score": "1.000",
        "postal_code": "10001",
        "state": "Sample State",
        "street": "sample_value"
      },
      "validation": {
        "address": "full_match",
        "date_of_birth": "full_match",
        "full_name": "full_match"
      }
    }
  ]
}

{
  "request_id": "req_01H…",
  "status": "In Review",
  "issuing_state": "AUS",
  "match_type": "partial_match",
  "validations": [
    {
      "outcome_code": "PARTIAL_MATCH",
      "service_id": "aus_credit_bureau",
      "service_name": "Australia Credit Bureau",
      "source_data": {
        "address": "123 Sample Street",
        "address_match_score": "1.000",
        "city": "Sample City",
        "date_of_birth": "1990-01-01",
        "first_name": "John",
        "full_name": "John Doe",
        "last_name": "Doe",
        "name_match_score": "1.000",
        "postal_code": "10001",
        "state": "Sample State",
        "street": "sample_value"
      },
      "validation": {
        "address": "full_match",
        "date_of_birth": "full_match",
        "full_name": "no_match"
      }
    }
  ]
}

{
  "request_id": "req_01H…",
  "status": "Declined",
  "issuing_state": "AUS",
  "match_type": "no_match",
  "validations": [
    {
      "outcome_code": "NO_MATCH",
      "service_id": "aus_credit_bureau",
      "service_name": "Australia Credit Bureau",
      "source_data": {
        "address": "NO_MATCH",
        "date_of_birth": "NO_MATCH",
        "full_name": "NO_MATCH"
      },
      "validation": {
        "address": "no_match",
        "date_of_birth": "no_match",
        "full_name": "no_match"
      }
    }
  ]
}

Verifies input data against Credit Header data obtained from the largest Credit Bureau in Australia. Didit exposes this service through POST /v3/database-validation/ so you can verify the submitted data against the authoritative source and receive normalized match results.

Coverage

Coverage: ~ 75%
Country: Australia
Service ID: aus_credit_bureau
Data domain: Financial
Category: CreditBureau

Inputs

Field	Required	Example
`first_name`	Yes	`John`
`last_name`	Yes	`Doe`
`date_of_birth`	Yes	`1990-01-01`
`address.street_1`	Yes	`123 Sample Street`
`address.postal_code`	Yes	`10001`
`address.street_2`	No	`Unit 4`
`address.city`	No	`Sample City`
`address.region`	No	`Sample State`
`phone`	No	`+15550101000`
`email`	No	`john.doe@example.com`
`vendor_data`	No	`user-1234`

Required inputs: first_name, last_name, date_of_birth, address.street_1, address.postal_code
Optional inputs: address.street_2, address.city, address.region, phone, email, vendor_data
Consent: Required
Workflow availability: Available in workflow
Coverage: ~ 75%
Price: $0.70 per successful query

Body parameters

string

default:"AUS"

required

ISO 3166-1 alpha-3 country code for this database service.Example: AUS

string

default:"aus_credit_bureau"

required

Array containing this service ID. Pinning the service keeps the request scoped to this exact database.Example: aus_credit_bureau

Explicit end-user consent for this service.Example: true

string

default:"John"

required

Given name to validate.Example: John

string

default:"Doe"

required

Family name to validate.Example: Doe

string

default:"1990-01-01"

required

Date of birth in YYYY-MM-DD format.Example: 1990-01-01

object

required

Structured residential address object. Use street_1, street_2, city, region, postal_code, and country. A complete legacy address string is still accepted but not recommended.Example:

{"street_1":"123 Sample Street","street_2":"Unit 4","city":"Sample City","region":"Sample State","postal_code":"10001","country":"US"}

string

default:"+15550101000"

Phone number in international format.Example: +15550101000

string

default:"john.doe@example.com"

Email address.Example: john.doe@example.com

string

default:"user-1234"

Your stable user reference for this person, such as your internal user ID. Didit uses it to link standalone checks to the same end user and reduce duplicate-detection noise.Example: user-1234

Input rules & validation notes

For address services, send structured address fields instead of a single address string when possible.
address.street_1 is the street address, including street number and street type.
address.street_2 is apartment, unit, building, floor, or extra address line. Send it only when you have it.
address.city is city, suburb, district, locality, or neighborhood.
address.region is state, province, region, or town.
address.postal_code is postcode or postal code.
Address-based database services require at least street address and postal code; requests rejected before source lookup are not charged.

How to call it

curl -X POST "https://verification.didit.me/v3/database-validation/" \
  -H "x-api-key: YOUR_API_KEY" \
  -F "issuing_state=AUS" \
  -F "services=aus_credit_bureau" \
  -F "vendor_data=user-1234" \
  -F "consent=true" \
  -F "first_name=John" \
  -F "last_name=Doe" \
  -F "date_of_birth=1990-01-01" \
  -F 'address={"street_1":"123 Sample Street","street_2":"Unit 4","city":"Sample City","region":"Sample State","postal_code":"10001","country":"US"}'

Every successful call returns HTTP 200. The outcome_code field tells you what actually happened — distinguishing, for example, a real biometric mismatch (BIOMETRIC_NO_MATCH) from a selfie that could not be read (BIOMETRIC_IMAGE_UNUSABLE). The status shown is the default feature status; your configured Partial Match / No Match actions can override it.

MATCH — The registry confirmed the identity and every checked field matched.

{
  "request_id": "req_01H…",
  "status": "Approved",
  "issuing_state": "AUS",
  "match_type": "full_match",
  "validations": [
    {
      "outcome_code": "MATCH",
      "service_id": "aus_credit_bureau",
      "service_name": "Australia Credit Bureau",
      "source_data": {
        "address": "123 Sample Street",
        "address_match_score": "1.000",
        "city": "Sample City",
        "date_of_birth": "1990-01-01",
        "first_name": "John",
        "full_name": "John Doe",
        "last_name": "Doe",
        "name_match_score": "1.000",
        "postal_code": "10001",
        "state": "Sample State",
        "street": "sample_value"
      },
      "validation": {
        "address": "full_match",
        "date_of_birth": "full_match",
        "full_name": "full_match"
      }
    }
  ]
}

PARTIAL_MATCH — The identification number was found but one or more personal fields (usually name or date of birth) did not fully match.

{
  "request_id": "req_01H…",
  "status": "In Review",
  "issuing_state": "AUS",
  "match_type": "partial_match",
  "validations": [
    {
      "outcome_code": "PARTIAL_MATCH",
      "service_id": "aus_credit_bureau",
      "service_name": "Australia Credit Bureau",
      "source_data": {
        "address": "123 Sample Street",
        "address_match_score": "1.000",
        "city": "Sample City",
        "date_of_birth": "1990-01-01",
        "first_name": "John",
        "full_name": "John Doe",
        "last_name": "Doe",
        "name_match_score": "1.000",
        "postal_code": "10001",
        "state": "Sample State",
        "street": "sample_value"
      },
      "validation": {
        "address": "full_match",
        "date_of_birth": "full_match",
        "full_name": "no_match"
      }
    }
  ]
}

NO_MATCH — The registry returned no match for the submitted data.

{
  "request_id": "req_01H…",
  "status": "Declined",
  "issuing_state": "AUS",
  "match_type": "no_match",
  "validations": [
    {
      "outcome_code": "NO_MATCH",
      "service_id": "aus_credit_bureau",
      "service_name": "Australia Credit Bureau",
      "source_data": {
        "address": "NO_MATCH",
        "date_of_birth": "NO_MATCH",
        "full_name": "NO_MATCH"
      },
      "validation": {
        "address": "no_match",
        "date_of_birth": "no_match",
        "full_name": "no_match"
      }
    }
  ]
}

Returned data

The exact fields surfaced in source_data depend on what the registry returns. The generated example for aus_credit_bureau currently documents this normalized shape:

address
address_match_score
city
date_of_birth
first_name
full_name
last_name
name_match_score
postal_code
state
street

Pricing & SLAs

Australia Credit Bureau queries are billed only when Didit receives a conclusive result from the validation source.

Per-call price: $0.70 USD.
Billing: per successful query. You are not charged when the registry is unreachable, when required fields are missing, or when the request is rejected before reaching the source.
Latency: typical p95 < 2 s.
Availability: 99.9% per quarter on Didit’s side; downstream source availability varies by country and dataset.

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Coverage

Inputs

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Input rules & validation notes

How to call it

Returned data

Pricing & SLAs

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