RectifyCredit is the first and leading consumer credit information advocacy firm helping consumers at every stage in his/her credit life cycle. Our team of experienced credit improvement consultants can review your credit, assess your current situation, and provide personalized solutions to meet your needs. RectifyCredit Services can help improve your credit profile by providing you consultative guidance on your credit report and financial planning. RectifyCredit Value proposition •Identify Issues / Negatives in your credit report •Provide consultative guidance to individuals for building and improving their credit profile •One stop shop for all credit issues

1. RectifyCredit Services Learning Centre “ Strengthening your creditability“

8. How do I access my CIBIL report? http://www.cibil.com/accesscredit.htm

9. How do I access my Experian report? http://www.experian.in/consumer/index.html

12. Segregation by credit score 500 600 700 800 800+

14. Indian Financial Institution – Credit Assessment 300 500 600 650 700 750 800 850 900 Score Decline Accept High Risk Low Risk Cut-off 1 Cut-off 2 Refer

15. Indian Financial Institution – Credit Assessment Sr. No. Score Band Risk Policy 1 300 to 600 High chance that your loan application will get rejected. Lender will consider you application however it will have to pass through their other risk assessment criterions. 2 601 to 750 Lender would be happy to assess you application and take it forward towards acceptance if it pass through their other risk assessment criterions. 3 750 + Lenders will accept you application from credit risk point of view, high chance that you application will be accepted unless there are any other issues associated with your application.

16. Factors contributing to your credit score

17. Personal Information Name, Date of Birth, Gender, Telephone Numbers, PAN ID, Voter ID, Passport Number Address Block Address and Date of Birth on which its reported to credit bureau Score & Reason Code Block A reason code is an explanation of a specific credit factor that can be improved. It explains why the individual did not receive the most optimal score for a particular factor. Account Summary Number of accounts, Number of overdue accounts, Number of zero-balance accounts, Sanctioned Amount,, Current Balances and Overdue Balances, Most recent account, oldest account Enquiries Number of enquiries, Number of enquiries in past 30 days, Number of enquiries in past 12 months, Number of enquiries in past 24 months, Date of most recent enquiry

18. Account Information MEMBER NAME: ACCOUNT NUMBER: TYPE: OWNERSHIP: Dates OPENED: LAST PAYMENT: CLOSED: REPORTED: Amount SANCTIONED: CURRENT BALANCE: OVERDUE: Account Status SUIT FILED / WILLFUL DEFAULT/WRITTEN OFF STATUS Payment History The most recent 18 months of Payment History. Each month displays the Number of Days Past Due (NDPD)/Asset Classification (AC) for that month.

19. Enquiry Enquiry section contains information on enquiries made on the consumer by other Member(s) with credit bureau. Member Name Date of Enquiry Enquiry Purpose Enquiry Amount

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