Re-evaluate a lead

POST 
/partner/lead/reevaluacion

Checks again the risk of a person you have a mortgage pre-approval for, without them going through Clave Única again, and answers with the result in the same call. See Lead Re-evaluation for what is refreshed and how the result is decided.

Requires the evaluation module. BNPL partners cannot use it.

What a call does

• Starts from the person's most recent mortgage pre-approval with you — the base — approved or rejected. The base is never modified. With externalEntityId, only leads and pre-approvals of that PartnerEntity count.
• Refreshes the data banca.me obtains without the person, compares it with the previous picture, and checks the filters of the policy that issued the base.
• Creates a new lead for the person, pending Clave Única, and returns a link for them to continue their evaluation from it.
• Sends the reevaluation webhook event to your subscribed destinations before answering.

Repeating a call is safe

• Within 30 days of the last re-evaluation over the same pre-approval, the call returns that one with reciente: true and a fresh urlEvaluacion. Nothing is queried, no lead is created and no event is sent.
• While one is running for the same lead, the call answers 409 reevaluacion_en_curso.

This call is slow by design

It queries external sources and attempts the webhook before answering, so it can take several seconds. Set a generous client timeout. If it times out anyway, call again: the re-evaluation keeps running, and you get 409 reevaluacion_en_curso while it runs or the finished result, with reciente: true, once it is done.

Errors carry a reason

Every error from this endpoint carries details.motivo. Two 409s and two 503s mean different things, so branch on motivo rather than on the status alone. A 422 or 500 also carries a fixed code in message.

Why POST

The RUT is personal data and does not belong in a URL, where proxies and access logs keep it.

Request

Responses

200

The re-evaluation finished, or a recent one was returned.

400

Bad Request - motivo: rut_invalido when rut is missing or not a valid RUT. Also returned, without details, when the token is not your current API token.

401

Unauthorized - Missing or malformed token

403

Forbidden - Partner is inactive, does not have the evaluation module, or is a BNPL partner

404

Not Found.

• motivo: sin_pre_apruebo — the person has no mortgage pre-approval with you, or none in the project named by externalEntityId.
• motivo: proyecto_no_encontrado — externalEntityId is not the id of one of your PartnerEntities. Nothing is queried.

409

Conflict.

• motivo: plr_en_evaluacion — the person is in the middle of an evaluation: the base lead is active or has an open credit application, or an earlier re-evaluation lead had activity in the last 28 days or has an open credit application. Wait for it to finish.
• motivo: reevaluacion_en_curso — a re-evaluation of this lead is running. Call again in a few seconds.

422

Unprocessable Entity. Nothing is queried or written.

• motivo: plr_anterior_a_politica, message: ERR_FOLLOW_UP_PLR_BEFORE_POLICY — the base lead was created before the date from which banca.me's privacy terms cover re-evaluation.
• motivo: origen_inactivo, message: ERR_FOLLOW_UP_INACTIVE_ORIGIN — the origin or the PartnerEntity of the base lead is inactive.

429

Too Many Requests - Rate limit exceeded

500

Internal Server Error - motivo: interno, message: ERR_FOLLOW_UP_INTERNAL. Nothing was emitted. Retry, and tell us if it persists.

502

Bad Gateway - motivo: buro_no_disponible. A required source did not answer. No lead was created and nothing was emitted. Retry later.

503

Service Unavailable.

• motivo: sin_cupo — too many re-evaluations are running at once. Retry after the number of seconds in the Retry-After header.
• motivo: seguimiento_no_habilitado — re-evaluation is not enabled in this environment.

Response Headers

Retry-After

Seconds to wait before retrying. Only with motivo: sin_cupo.