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W2 Data RNS 007

About the service

RNS 007 is part of W2's Affordability suite of services.

The service returns a score based on an individual's ability to afford your product or service. The score comprises of numerous public data derived characteristics, the data sources being predominantly Electoral Roll, CCJ & Postcode statistics.

Product Code: W2_Data_RNS_007

Does this service leave a credit search Footprint? Yes

Request

json
# Example request with all fields
{
    "Bundle": "W2DataRNS007",
	"Data": {
		"Forename": "Hywel",
		"Surname": "Griffiths",
		"Street": "Churchway Road",
		"Postcode": "LL28 4DB",
		"HouseNumber": "31",
		"City": "Colwyn Bay",
		"DayOfBirth":18,
		"MonthOfBirth":8,
		"YearOfBirth":1991
	},
    "Options": {
        "Sandbox": "true"
    },
    "ClientReference": "your-client-reference"
}

These are the request properties available to this service:

Property NameTypeLengthOptional/Mandatory
TitleString15Optional
ForenameString15Mandatory
MiddleNamesString15Optional
SurnameString30Mandatory
DayOfBirthInteger2Optional
MonthOfBirthInteger2Optional
YearOfBirthInteger4Optional
HouseNameString26Optional**
HouseNumberString26Optional**
PostcodeString8Mandatory
StreetString36Mandatory
CityString58Mandatory

** One of HouseName or HouseNumber is required.

Response

Response example

json
"w2DataRNS007Result": {
	"score": 350
}

Response Breakdown

PropertyDescription
ScoreAn integer between 0 and 500. A lower score denotes the applicant is poorer quality and is therefore more likely to enter arrears. A higher score denotes the applicant is of better quality and is more likely to keep up to date with payments towards credit agreements.

This likelihood can be expressed as a probability. You should interpret these probabilities based on your own appetite to accept each risk. This probability represents the likelihood based on the score returned that the individual being searched will default. The higher the probability, the greater the risk. e.g. a score of 260 returned from the service is in a band where 21.6% of individuals default on payments, or a 4:1 probability of a defaulting customer.

Score RangePercentage of DefaultsGood Bad Odds
<10059.5%1:1
100 - 12550.1%1:1
125 - 15044.8%1:1
150 - 17539.6%2:1
175 - 20034.8%2:1
200 - 22529.9%2:1
225 - 25025.8%3:1
250 - 27521.6%4:1
275 - 30018.0%5:1
300 - 32514.2%6:1
325 - 35010.7%8:1
350 - 3757.8%12:1
375 - 4005.5%17:1
400 - 4253.6%27:1
425 - 4502.1%46:1
450 - 4751.3%74:1
475 - 5000.8%117:1

Sandbox

Sandbox cases

These are the sandbox options for these service. Learn about our Sandbox here

Click on a sandbox case to view the request and response