Assess Financial Risk with Real-Time Credit Intelligence.

Credit checks are typically used for roles involving financial responsibility, cash handling, or senior management positions. A low credit score or defaults may indicate financial stress that could pose risks in certain roles. However, we recommend using credit verification as one factor among many in comprehensive background screening, not as a sole disqualifier, in compliance with fair employment practices.

We are integrated with all four RBI-registered credit information companies in India: TransUnion CIBIL (most widely used), Equifax, Experian, and CRIF High Mark. You can choose single or multi-bureau pulls depending on your risk assessment requirements. Multi-bureau reports provide a more comprehensive view as different lenders may report to different bureaus.

All credit data is encrypted using AES-256 encryption at rest and TLS 1.3 in transit. We are ISO 27001:2013 certified and comply with RBI's cyber security framework. Credit reports are accessed in real-time and not stored permanently in our systems unless specifically required for audit purposes. Access is strictly role-based with multi-factor authentication required for all credit pulls.

Yes, we offer commercial credit verification for companies and LLPs. This includes CIBIL Rank (for companies), credit exposure analysis, legal suit checks, and director credit history. This is particularly useful for vendor onboarding, trade credit decisions, and B2B lending risk assessment. Commercial reports include company credit ratings and default probability scores.

If a candidate disputes the accuracy of their credit report, we provide guidance on the dispute resolution process with the respective credit bureau. Candidates can raise disputes directly with CIBIL, Equifax, or Experian for data corrections. We can re-verify the report after the bureau completes their investigation (typically 30 days) at no additional cost.