Status Dynamics
The credit analysis process consists of sending a request, either for a NaturalPerson or a LegalPerson, to the appropriate endpoint and waiting the response.
After QI Tech completes the credit analysis, it returns a response containing a status related to the evaluation. This status is called analysis_status, which represents the outcome of the credit analysis performed by QI Tech.
In addition to analysis_status, QI Tech also provides credit_proposal_status, which represents the current status of the credit being analyzed throughout its lifecycle on your platform.
analysis_status
As mentioned before, QI Tech defines seven analysis_status values that indicate the decision status of the credit evaluation. These follow a relatively simple state machine:
| analysis_status | Description |
|---|---|
| automatically_approved | QI Tech's algorithms recommend that this registration be approved |
| automatically_reproved | QI Tech's algorithms recommend that this registration be rejected |
| in_manual_analysis | QI Tech's algorithms sent this registration for manual analysis |
| manually_approved | After manual analysis, the analyst decided to approve the registration |
| manually_reproved | After manual analysis, the analyst decided to reject the registration |
| waiting_for_data | The credit analysis is waiting for a response from a bureau or data provider and will be returned via Webhook |
| automatically_challenged | QI Tech's algorithms recommend that this registration be challenged |
| manually_challenged | After manual analysis, the analyst decided to challenge the registration |
| pending | The credit analysis is taking longer than expected; this registration has entered an automatic analysis queue and will be returned via Webhook |
You must replace EXAMPLE-OF-API-KEY with the API Key received from support.
credit_proposal_status
The credit_proposal_status indicates the status of the customer's credit operation, that is, the status of the credit proposal in your company or platform. The following enumerators exist for this status:
| credit_proposal_status | Description |
|---|---|
| created | The credit proposal was created in your platform |
| disbursed | The credit proposal was disbursed in your platform |
| paid | The customer has fully paid the credit |
| defaulted | The customer is in default on your platform |