Credit decisions
Ask whether a Client is barred
Ask whether a recorded refusal currently bars a Client from re-applying, and when the bar lifts.
GET
This call answers whether a Client is barred on a day you name, and the day the bar lifts.
A refusal decided under a cutoff band or a knockout that carries a moratorium bars the Client for that many whole days from the Decision’s
bound_from. The answer is derived from the recorded Decisions rather than stored beside the Client, so it cannot disagree with them.
Path parameters
string
required
The Tenancy asking. Another Tenancy’s path answers
403.string
required
The Client asked about. One your Tenancy never registered answers as unbarred: nothing was ever recorded against them here.
Query parameters
string
required
The day the question is about, as
YYYY-MM-DD.It is required and never defaulted. The Platform supplies no today, for the same reason the delinquency read does not: whether a Client is barred is a question about a day, and a caller that meant now can say which day that is.Response
boolean
required
Whether a recorded refusal bars the Client on the day asked about.
string
The day the bar lifts, as
YYYY-MM-DD. Absent when nothing bars.Where several refusals bar a Client at once, this is the latest day any of them lifts. On the day named, nothing bars.string
The recorded refusal whose moratorium lifts last, or, where that refusal is a person’s resolution of a
refer, the decision it resolved. Absent when nothing bars.How the bar is counted
A refusal counting from 2026-08-24 under a band carrying 30 days bars the Client through 2026-09-22 and lifts on 2026-09-23.
The first day counts. That day is the application’s
submitted_on where it is earlier than the day the refusal was recorded on, and the recording day otherwise, read in the time zone the Decision froze. A refusal recorded today for an application stating 2026-01-01 lifted on 2026-01-31.
Refusals
This route takes no body.
A read-scoped key is enough.