Consumer Inquiry Report
Consumer credit report is a document that includes all personal information and credit and history information of the customer. The report summarizes, organizes and evaluates the consumer credit behavior based on the information collected from all subscribers, i.e. banks and companies; accordingly such information will then be presented in a form of collected credit information report in which the subscriber will analyze before making a decision.
The CIR includes all consumer credit information including but not limited:
- Personal Information (Full Name – Gender- Date of Birth – Nationality).
- Credit Information:
- Payment history.
- Due Amounts from the customer.
- Types of portfolios.
- Inquiries history.
- Family Fund Indicators.
- Government Fund Indictors.
- Customer Credit Legal Status.
Value added products
A self inquiry is a request for a credit report by a customer personally to check his/her credit status. A Customer can check his own credit report to verify accuracy and update information and date displayed on the report. It may dispute any discrepancies, to protect oneself against ID fraud and to perform a primary self-assessment prior to applying for credit.
Reporting Data Discrepancies
Reporting Data Discrepancies is the process of reporting any discrepancies in data and information included in the customer credit report and seeking resolution for such disputes arising between the customer and data providers.
Numerical Credit Scoring
Numerical Credit scoring is the process of calculating and representing the credit risk of a Subject in a numeric form. A credit score is calculated based on certain credit score factors derived from the credit information of Subject.
Portfolio Monitoring Reports
Portfolio Monitoring Reports are reports that are designed based on the predefined business parameters that enable banks and financial institutions to evaluate portfolio performance. The reports are generated based on information included in CI-NET records. They help to analyze the portfolio growth rates and the impact of its risks in the credit local market.