Credit Debt Check

Description

Verify an individual's financial obligations through Argentina's Central Bank (BCRA) Central Debtors Registry. The service provides outstanding debt information, current credit status, total reported debt, risk level, and creditor details, helping organizations strengthen credit assessment, KYC, AML, and financial risk evaluation.

HTTP method GET

Endpoint

https://api.msla-id.com/experience-idv-financial-api-v1/api/idv-govcheck/v1/ar-identity/{CUIT_CUIL_CDI}/credit-debt-check

[SANDBOX Environment]

For testing purposes, use the base domain: apidev.msla-id.com

Request header parameter

NAME	REQUIRED	TYPE	DESCRIPTION
Authorization	✅	string	bearer jwt token

URI request parameter

NAME	REQUIRED	TYPE	DESCRIPTION
CUIT_CUIL_CDI	✅	string	Argentine tax or labor identification number (CUIT, CUIL, or CDI). It must be an 11-digit numeric string without hyphens or spaces

Status code responses

Code	Description
200	OK
400	Bad request
401	Unauthorized
404	Not found
500	Internal server error.

The full documentation error codes can be found here.

Response 200 status code

{
    "traceId": "062f6c066e8f9fa2",
    "timestamp": "2026-08-04 08:51:33",
    "data": {
        "country": "AR",
        "checkName": "Argentina Credit Debt Check",
        "source": "BCRA - Central de Deudores del Sistema Financiero",
        "input": {
            "idType": "CUIT_CUIL_CDI",
            "idNumber": "20005717842"
        },
        "result": {
            "match": true,
            "fullName": "SAENZ RUBEN CARLOS",
            "period": "2026-06",
            "totalDebt": {
                "amount": 356000.0,
                "currency": "ARS"
            },
            "creditStatus": {
                "worstSituationCode": "1",
                "description": "Normal",
                "riskLevel": "LOW",
                "hasDelinquency": false
            },
            "creditors": [
                {
                    "name": "FAVACARD S.A",
                    "amount": 55000.0,
                    "currency": "ARS",
                    "situationCode": "1",
                    "daysPastDue": 0
                },
                {
                    "name": "BANCO PATAGONIA S.A.",
                    "amount": 301000.0,
                    "currency": "ARS",
                    "situationCode": "1",
                    "daysPastDue": 0
                }
            ]
        }
    }
}

Response 404 status code

{
    "traceId": "4c3ad973fa8cfa0b",
    "timestamp": "2026-08-04 11:18:03",
    "code": "IDV-1002",
    "message": "Data not found.",
    "data": null
}

Response 500 status code

{
    "traceId": "43a20f33d4e8730d",
    "timestamp": "yyyy-mm-dd HH:MM:SS",
    "code": "IDV-1008",
    "message": "Error in the source of origin, please contact an administration.",
    "data": null
}