from datetime import datetime, date from datetime import date def before_x_years_date(years): today = date.today() start_date = date(today.year - years, today.month, today.day) return start_date def string_to_date(string, format): return datetime.strptime(string, format).date() def dpd_check_experian(dpd_years_above_0, dpd_count_above_0, experian_data): if dpd_years_above_0 is None or dpd_count_above_0 is None: return 0 start_date = before_x_years_date(dpd_years_above_0) count_per_tradeline = 0 if experian_data: try: if isinstance(experian_data, list): for data in experian_data: count = 0 if string_to_date(data["Open_Date"], "%Y%m%d") > start_date: if isinstance(data['CAIS_Account_History'], list): count = sum([1 for MonthWise in data['CAIS_Account_History'] if MonthWise['Days_Past_Due'] not in ("0", 0, None)]) elif isinstance(data['CAIS_Account_History'], dict): if data['CAIS_Account_History']['Days_Past_Due'] not in (0, '0', None): count = 1 else: count = 0 count_per_tradeline += count if count_per_tradeline >= dpd_count_above_0: return 0 if count_per_tradeline < dpd_count_above_0: return 1 if isinstance(experian_data, dict): data = experian_data count = 0 if string_to_date(data["Open_Date"], "%Y%m%d") > start_date: if isinstance(data['CAIS_Account_History'], list): count = sum([1 for MonthWise in data['CAIS_Account_History'] if "0" != MonthWise['Days_Past_Due']]) elif isinstance(data['CAIS_Account_History'], dict): if "0" != data['CAIS_Account_History']['Days_Past_Due']: count = 1 else: count = 0 count_per_tradeline += count print(count_per_tradeline) if count_per_tradeline > dpd_count_above_0: return 0 if count_per_tradeline <= dpd_count_above_0: return 1 except: return "No Experian Bureau" else: return 1 account_details = { "Identification_Number": "PUBXXXXXXXX", "Subscriber_Name": "XXXXXXXXXX", "Account_Number": "XXXXXXXXXX1320", "Portfolio_Type": "F", "Account_Type": "43", "Open_Date": "20210308", "Credit_Limit_Amount": None, "Highest_Credit_or_Original_Loan_Amount": "500000", "Terms_Duration": None, "Terms_Frequency": None, "Scheduled_Monthly_Payment_Amount": None, "Account_Status": "11", "Payment_Rating": "0", "Payment_History_Profile": "00000???????????????????????????????", "Special_Comment": None, "Current_Balance": "67146", "Amount_Past_Due": "0", "Original_Charge_Off_Amount": None, "Date_Reported": "20251130", "Date_of_First_Delinquency": None, "Date_Closed": None, "Date_of_Last_Payment": "20251129", "SuitFiledWillfulDefaultWrittenOffStatus": None, "SuitFiled_WillfulDefault": None, "Written_off_Settled_Status": None, "Value_of_Credits_Last_Month": None, "Occupation_Code": None, "Settlement_Amount": None, "Value_of_Collateral": None, "Type_of_Collateral": "00", "Written_Off_Amt_Total": None, "Written_Off_Amt_Principal": None, "Rate_of_Interest": "9.650", "Repayment_Tenure": "0", "Promotional_Rate_Flag": None, "Income": None, "Income_Indicator": None, "Income_Frequency_Indicator": None, "DefaultStatusDate": None, "LitigationStatusDate": None, "WriteOffStatusDate": None, "DateOfAddition": "20250630", "CurrencyCode": "INR", "Subscriber_comments": None, "Consumer_comments": None, "AccountHoldertypeCode": "2", "CAIS_Account_History": [ { "Year": "2025", "Month": "11", "Days_Past_Due": "0", "Asset_Classification": "?" }, { "Year": "2025", "Month": "10", "Days_Past_Due": "0", "Asset_Classification": "?" }, { "Year": "2025", "Month": "09", "Days_Past_Due": "0", "Asset_Classification": "?" }, { "Year": "2025", "Month": "08", "Days_Past_Due": "0", "Asset_Classification": "?" }, { "Year": "2025", "Month": "07", "Days_Past_Due": "0", "Asset_Classification": "?" }, { "Year": "2025", "Month": "06", "Days_Past_Due": "0", "Asset_Classification": "?" } ], "CAIS_Holder_Details": { "Surname_Non_Normalized": "ANITA NANDANWAR", "First_Name_Non_Normalized": None, "Middle_Name_1_Non_Normalized": None, "Middle_Name_2_Non_Normalized": None, "Middle_Name_3_Non_Normalized": None, "Alias": None, "Gender_Code": "2", "Income_TAX_PAN": None, "Passport_Number": None, "Voter_ID_Number": None, "Date_of_birth": "19680827" }, "CAIS_Holder_Address_Details": { "First_Line_Of_Address_non_normalized": "NAVIN VASTI POLICE STATION MAGE KHAPA", "Second_Line_Of_Address_non_normalized": "SAONER NAGPUR NAGPUR", "Third_Line_Of_Address_non_normalized": None, "City_non_normalized": None, "Fifth_Line_Of_Address_non_normalized": None, "State_non_normalized": "27", "ZIP_Postal_Code_non_normalized": "441101", "CountryCode_non_normalized": "IB", "Address_indicator_non_normalized": "02", "Residence_code_non_normalized": "02" }, "CAIS_Holder_Phone_Details": [ { "Telephone_Number": None, "Telephone_Type": "01", "Telephone_Extension": None, "Mobile_Telephone_Number": "9371519105", "FaxNumber": None, "EMailId": None }, { "Telephone_Number": "9371519105", "Telephone_Type": "00", "Telephone_Extension": None, "Mobile_Telephone_Number": None, "FaxNumber": None, "EMailId": None } ], "CAIS_Holder_ID_Details": [ { "Income_TAX_PAN": None, "PAN_Issue_Date": None, "PAN_Expiration_Date": None, "Passport_Number": None, "Passport_Issue_Date": None, "Passport_Expiration_Date": None, "Voter_ID_Number": None, "Voter_ID_Issue_Date": None, "Voter_ID_Expiration_Date": None, "Driver_License_Number": None, "Driver_License_Issue_Date": None, "Driver_License_Expiration_Date": None, "Ration_Card_Number": None, "Ration_Card_Issue_Date": None, "Ration_Card_Expiration_Date": None, "Universal_ID_Number": None, "Universal_ID_Issue_Date": None, "Universal_ID_Expiration_Date": None, "EMailId": None }, { "Income_TAX_PAN": None, "PAN_Issue_Date": None, "PAN_Expiration_Date": None, "Passport_Number": None, "Passport_Issue_Date": None, "Passport_Expiration_Date": None, "Voter_ID_Number": None, "Voter_ID_Issue_Date": None, "Voter_ID_Expiration_Date": None, "Driver_License_Number": None, "Driver_License_Issue_Date": None, "Driver_License_Expiration_Date": None, "Ration_Card_Number": None, "Ration_Card_Issue_Date": None, "Ration_Card_Expiration_Date": None, "Universal_ID_Number": None, "Universal_ID_Issue_Date": None, "Universal_ID_Expiration_Date": None, "EMailId": None }, { "Income_TAX_PAN": None, "PAN_Issue_Date": None, "PAN_Expiration_Date": None, "Passport_Number": None, "Passport_Issue_Date": None, "Passport_Expiration_Date": None, "Voter_ID_Number": None, "Voter_ID_Issue_Date": None, "Voter_ID_Expiration_Date": None, "Driver_License_Number": None, "Driver_License_Issue_Date": None, "Driver_License_Expiration_Date": None, "Ration_Card_Number": None, "Ration_Card_Issue_Date": None, "Ration_Card_Expiration_Date": None, "Universal_ID_Number": None, "Universal_ID_Issue_Date": None, "Universal_ID_Expiration_Date": None, "EMailId": None }, { "Income_TAX_PAN": None, "PAN_Issue_Date": None, "PAN_Expiration_Date": None, "Passport_Number": None, "Passport_Issue_Date": None, "Passport_Expiration_Date": None, "Voter_ID_Number": None, "Voter_ID_Issue_Date": None, "Voter_ID_Expiration_Date": None, "Driver_License_Number": None, "Driver_License_Issue_Date": None, "Driver_License_Expiration_Date": None, "Ration_Card_Number": None, "Ration_Card_Issue_Date": None, "Ration_Card_Expiration_Date": None, "Universal_ID_Number": None, "Universal_ID_Issue_Date": None, "Universal_ID_Expiration_Date": None, "EMailId": None }, { "Income_TAX_PAN": None, "PAN_Issue_Date": None, "PAN_Expiration_Date": None, "Passport_Number": None, "Passport_Issue_Date": None, "Passport_Expiration_Date": None, "Voter_ID_Number": None, "Voter_ID_Issue_Date": None, "Voter_ID_Expiration_Date": None, "Driver_License_Number": None, "Driver_License_Issue_Date": None, "Driver_License_Expiration_Date": None, "Ration_Card_Number": None, "Ration_Card_Issue_Date": None, "Ration_Card_Expiration_Date": None, "Universal_ID_Number": None, "Universal_ID_Issue_Date": None, "Universal_ID_Expiration_Date": None, "EMailId": None }, { "Income_TAX_PAN": None, "PAN_Issue_Date": None, "PAN_Expiration_Date": None, "Passport_Number": None, "Passport_Issue_Date": None, "Passport_Expiration_Date": None, "Voter_ID_Number": None, "Voter_ID_Issue_Date": None, "Voter_ID_Expiration_Date": None, "Driver_License_Number": None, "Driver_License_Issue_Date": None, "Driver_License_Expiration_Date": None, "Ration_Card_Number": None, "Ration_Card_Issue_Date": None, "Ration_Card_Expiration_Date": None, "Universal_ID_Number": None, "Universal_ID_Issue_Date": None, "Universal_ID_Expiration_Date": None, "EMailId": None } ] } print(dpd_check_experian(1, 0, account_details))