| |
|
|
|
Current Application Information |
|
| These are the details you give us when you apply for your Experian Credit Report. |
@if(isset($applicant_details->Current_Applicant_Details))
Current_Applicant_Details; ?>
| Name |
First_Name) && isset($current_applicant_details[0]->First_Name) ? $current_applicant_details[0]->First_Name : '-'?> |
| Mobile Phone |
MobilePhoneNumber) && isset($current_applicant_details[0]->First_Name) ? $current_applicant_details[0]->MobilePhoneNumber : '--'?> |
Telephone |
Telephone_Number_Applicant_1st) && isset($current_applicant_details[0]->Telephone_Number_Applicant_1st) ? $current_applicant_details[0]->Telephone_Number_Applicant_1st : '-'?> |
| Passport Number |
Passport_number) && isset($current_applicant_details[0]->Passport_number) ? $current_applicant_details[0]->Passport_number : '-'?> |
PAN |
IncomeTaxPan) && isset($current_applicant_details[0]->IncomeTaxPan) ? $current_applicant_details[0]->IncomeTaxPan : '-'?> |
| Email |
EMailId) && isset($current_applicant_details[0]->EMailId) ? $current_applicant_details[0]->EMailId : '-'?> |
Voter ID |
Voter_s_Identity_Card) && isset($current_applicant_details[0]->Voter_s_Identity_Card) ? $current_applicant_details[0]->Voter_s_Identity_Card : '-'?> |
Driving License |
Driver_License_Number) && isset($current_applicant_details[0]->Driver_License_Number) ? $current_applicant_details[0]->Driver_License_Number : '-'?> |
| |
|
Aadhaar Number |
Universal_ID_Number) && isset($current_applicant_details[0]->Universal_ID_Number) ? $current_applicant_details[0]->Universal_ID_Number : '-'?> |
Ration Card |
Ration_Card_Number) && isset($current_applicant_details[0]->Ration_Card_Number) ? $current_applicant_details[0]->Ration_Card_Number : '-'?> |
@endif
|
| |
| |
Experian Credit Score |
|
| Your Experian Credit Report is summarized in the form of Experian Credit Score which ranges from 300 - 900. |
{{-- --}}
{{--  --}}
{{-- | --}}
BureauScore) ? $score->BureauScore : '-'?> |
| Score Factors |
| 1. |
Recency : |
Recent Credit Account Defaults |
| 2. |
Leverage : |
Credit Accounts with on-time re-payment history |
| 3. |
Coverage : |
Non-delinquent and delinquent Credit Accounts |
| 4. |
Delinquency Status : |
Defaults on Credit Accounts (current & recent periodic intervals) |
| 5. |
Credit Applications : |
Credit Account Applications over last 30 days |
|
|
| |
|
| |
|
|
Report Summary |
|
| Credit Account Summary |
Current Balance Amount Summary |
Credit Enquiry Summary |
Non-Credit Enquiry Summary |
| Total number of Accounts |
CAIS_Summary->Credit_Account->CreditAccountTotal) ? $account_details->CAIS_Summary->Credit_Account->CreditAccountTotal : '-'?> |
|
| Total Current Bal. amt |
CAIS_Summary->Total_Outstanding_Balance->Outstanding_Balance_All) ? $account_details->CAIS_Summary->Total_Outstanding_Balance->Outstanding_Balance_All : '-'?> |
|
| Last 7 days credit enquiries |
CAPSLast7Days) ? $credit_caps->CAPSLast7Days : '-'?> |
|
| Last 7 days non-credit enquiries |
NonCreditCAPSLast7Days) ? $non_credit_caps->NonCreditCAPSLast7Days : '-'?> |
|
| Active Accounts |
CAIS_Summary->Credit_Account->CreditAccountActive) ? $account_details->CAIS_Summary->Credit_Account->CreditAccountActive : '-'?> |
|
|
| Last 30 days credit enquiries |
CAPSLast30Days) ? $credit_caps->CAPSLast30Days : '-'?> |
|
| Last 30 days non-credit enquiries |
NonCreditCAPSLast30Days) ? $non_credit_caps->NonCreditCAPSLast30Days : '-'?> |
|
| Closed Accounts |
CAIS_Summary->Credit_Account->CreditAccountClosed) ? $account_details->CAIS_Summary->Credit_Account->CreditAccountClosed : '-'?> |
|
| Secured Accounts amt |
CAIS_Summary->Total_Outstanding_Balance->Outstanding_Balance_Secured) ? $account_details->CAIS_Summary->Total_Outstanding_Balance->Outstanding_Balance_Secured : '-'?> |
|
| Last 90 days credit enquiries |
CAPSLast90Days) ? $credit_caps->CAPSLast90Days : '-'?> |
|
| Last 90 days non-credit enquiries |
NonCreditCAPSLast90Days) ? $non_credit_caps->NonCreditCAPSLast90Days : '-'?> |
|
| SF/WD/WO/Settled |
CAIS_Summary->Credit_Account->CreditAccountDefault) ? $account_details->CAIS_Summary->Credit_Account->CreditAccountDefault : '-'?> |
|
| Unsecured Accounts amt |
CAIS_Summary->Total_Outstanding_Balance->Outstanding_Balance_UnSecured) ? $account_details->CAIS_Summary->Total_Outstanding_Balance->Outstanding_Balance_UnSecured : '-'?> |
|
| Last 180 days credit enquiries |
CAPSLast180Days) ? $credit_caps->CAPSLast180Days : '-'?> |
|
| Last 180 days non-credit enquiries |
NonCreditCAPSLast180Days) ? $non_credit_caps->NonCreditCAPSLast180Days : '-'?> |
|
|
|
|
| |
| |
SUMMARY: Credit Account Information |
|
| This section displays summary of all your reported credit accounts found in the Experian Credit Bureau database. |
@if(isset($account_details->CAIS_Account_DETAILS))
| |
Lender |
Account type |
Account No |
Ownership |
Date Reported |
Account Status |
Date Opened |
Sanction Amt /
Highest Credit |
Current Balance |
Amount Overdue |
@if(isset($account_details->CAIS_Account_DETAILS->Account_Number))
| Acct 1 |
CAIS_Account_DETAILS->Subscriber_Name) ? $account_details->CAIS_Account_DETAILS->Subscriber_Name : '-'?> |
CAIS_Account_DETAILS->Account_Type) && array_key_exists((int)$account_details->CAIS_Account_DETAILS->Account_Type, $accountType) ? $accountType[(int)$account_details->CAIS_Account_DETAILS->Account_Type] : '-'?> |
{!! $account_details->CAIS_Account_DETAILS->Account_Number !!} |
CAIS_Account_DETAILS->AccountHoldertypeCode) && array_key_exists((int)$account_details->CAIS_Account_DETAILS->AccountHoldertypeCode, $accountHolderType) ? $accountHolderType[(int)$account_details->CAIS_Account_DETAILS->AccountHoldertypeCode] : '-'?> |
CAIS_Account_DETAILS->Date_Reported)->format('d-M-Y') ?> |
CAIS_Account_DETAILS->Account_Status) && array_key_exists((int)$account_details->CAIS_Account_DETAILS->Account_Status, $accountStatusCode) ? $accountStatusCode[(int)$account_details->CAIS_Account_DETAILS->Account_Status] : '-'?> |
CAIS_Account_DETAILS->Open_Date)->format('d-M-Y') ?> |
CAIS_Account_DETAILS->Highest_Credit_or_Original_Loan_Amount) ? money_format('%!i',$account_details->CAIS_Account_DETAILS->Highest_Credit_or_Original_Loan_Amount) : '-' ?> |
CAIS_Account_DETAILS->Current_Balance) ? money_format('%!i',$account_details->CAIS_Account_DETAILS->Current_Balance) : '-' ?> |
CAIS_Account_DETAILS->Amount_Past_Due) ? money_format('%!i',$account_details->CAIS_Account_DETAILS->Amount_Past_Due) : '-' ?> |
@else
@foreach($account_details->CAIS_Account_DETAILS as $key=>$cais_details)
| Acct {!! $key+1 !!} |
Subscriber_Name) ? $cais_details->Subscriber_Name : '-'?> |
Account_Type) && array_key_exists((int)$cais_details->Account_Type, $accountType) ? $accountType[(int)$cais_details->Account_Type] : '-'?> |
{!! $cais_details->Account_Number !!} |
AccountHoldertypeCode) && array_key_exists((int)$cais_details->AccountHoldertypeCode, $accountHolderType) ? $accountHolderType[(int)$cais_details->AccountHoldertypeCode] : '-'?> |
Date_Reported)->format('d-M-Y') ?> |
Account_Status) && array_key_exists((int)$cais_details->Account_Status, $accountStatusCode) ? $accountStatusCode[(int)$cais_details->Account_Status] : '-'?> |
Open_Date)->format('d-M-Y') ?> |
Highest_Credit_or_Original_Loan_Amount) ? money_format('%!i',$cais_details->Highest_Credit_or_Original_Loan_Amount) : '-' ?> |
Current_Balance) ? money_format('%!i',$cais_details->Current_Balance) : '-' ?> |
Amount_Past_Due) ? money_format('%!i',$cais_details->Amount_Past_Due) : '-' ?> |
@endforeach
@endif
|
@endif
|
| |
| |
Credit Account Information details |
|
| This section has information based on the details provided to Experian by all our member banks, credit / financial institutions and other credit grantors with whom you have a credit / loan account. |
|
@if(isset($account_details->CAIS_Account_DETAILS))
@if(isset($account_details->CAIS_Account_DETAILS->Subscriber_Name))
|
| CAIS_Account_DETAILS->Account_Type) && array_key_exists((int)$account_details->CAIS_Account_DETAILS->Account_Type, $accountType) ? $accountType[(int)$account_details->CAIS_Account_DETAILS->Account_Type] : '-'?> |
{!! $account_details->CAIS_Account_DETAILS->Subscriber_Name !!} |
|
Acct 1 |
@if(count((array)$account_details->CAIS_Account_DETAILS) > 0)
CAIS_Account_DETAILS), 1); ?>
@if(isset($d['CAIS_Holder_Details'][0]))
@foreach($d['CAIS_Holder_Details'] as $k => $subcaisName)
| |
@endforeach
@else
| CAIS_Account_DETAILS->CAIS_Holder_Details->First_Name_Non_Normalized ?? '';?> CAIS_Account_DETAILS->CAIS_Holder_Details->Surname_Non_Normalized ?? '';?> |
@endif
@if(isset($d['CAIS_Holder_Address_Details'][0]))
@foreach($d['CAIS_Holder_Address_Details'] as $ky => $subcaisAddress)
| Address {!! $ky+1 !!} |
|
@endforeach
@else
CAIS_Account_DETAILS->CAIS_Holder_Address_Details ?? '';
$first_line2 = $cais_address_details2->First_Line_Of_Address_non_normalized ?? '';
$second_line2 = $cais_address_details2->Second_Line_Of_Address_non_normalized ?? '';
$third_line2 = $cais_address_details2->Third_Line_Of_Address_non_normalized ?? '';
$state_name2 = $cais_address_details2->State_non_normalized ?? '';
$postal2 = $cais_address_details2->ZIP_Postal_Code_non_normalized ?? '';
?>
| Address 1 |
|
@endif
|
@else
| {!! $account_details->CAIS_Account_DETAILS->CAIS_Holder_Details->First_Name_Non_Normalized . " " . $account_details->CAIS_Account_DETAILS->CAIS_Holder_Details->Surname_Non_Normalized !!} |
CAIS_Account_DETAILS->CAIS_Holder_Address_Details ?? '';
$first_line = $cais_address_details->First_Line_Of_Address_non_normalized ?? '';
$second_line = $cais_address_details->Second_Line_Of_Address_non_normalized ?? '';
$third_line = $cais_address_details->Third_Line_Of_Address_non_normalized ?? '';
$state_name = $cais_address_details->State_non_normalized ?? '';
$postal = $cais_address_details->ZIP_Postal_Code_non_normalized ?? '';
?>
| Address 1 |
|
|
@endif
|
|
|
|
| Credit Account details |
| Account terms |
Account description |
Account details |
| Account Number |
CAIS_Account_DETAILS->Account_Number) ? $account_details->CAIS_Account_DETAILS->Account_Number : '-'?> |
|
| Date Reported |
CAIS_Account_DETAILS->Date_Reported) ? \Carbon\Carbon::parse($account_details->CAIS_Account_DETAILS->Date_Reported)->format('d-M-Y') : '-' ?> |
|
| Credit Limit Amt |
CAIS_Account_DETAILS->Credit_Limit_Amount) ? $account_details->CAIS_Account_DETAILS->Credit_Limit_Amount : '-' ?> |
|
| Date Opened |
CAIS_Account_DETAILS->Open_Date) ? \Carbon\Carbon::parse($account_details->CAIS_Account_DETAILS->Open_Date)->format('d-M-Y') : '-' ?> |
|
| Loan Type |
CAIS_Account_DETAILS->Account_Type) && array_key_exists((int)$account_details->CAIS_Account_DETAILS->Account_Type, $accountType) ? $accountType[(int)$account_details->CAIS_Account_DETAILS->Account_Type] : '-'?> |
|
|
| Date Closed |
CAIS_Account_DETAILS->Date_Closed) ? \Carbon\Carbon::parse($account_details->CAIS_Account_DETAILS->Date_Closed)->format('d-M-Y') : '-' ?> |
|
| Account Status |
CAIS_Account_DETAILS->Account_Status) && array_key_exists((int)$account_details->CAIS_Account_DETAILS->Account_Status, $accountStatusCode) ? $accountStatusCode[(int)$account_details->CAIS_Account_DETAILS->Account_Status] : '-'?> |
|
| Repayment Tenure |
CAIS_Account_DETAILS->Repayment_Tenure) ? $account_details->CAIS_Account_DETAILS->Repayment_Tenure : '-' ?> |
|
| Ownership |
CAIS_Account_DETAILS->AccountHoldertypeCode) && array_key_exists((int)$account_details->CAIS_Account_DETAILS->AccountHoldertypeCode, $accountHolderType) ? $accountHolderType[(int)$account_details->CAIS_Account_DETAILS->AccountHoldertypeCode] : '-'?>
|
|
| Highest Credit |
CAIS_Account_DETAILS->Highest_Credit_or_Original_Loan_Amount) ? $account_details->CAIS_Account_DETAILS->Highest_Credit_or_Original_Loan_Amount : '-' ?> |
|
| Total Write-off Amt |
CAIS_Account_DETAILS->Written_Off_Amt_Total) ? $account_details->CAIS_Account_DETAILS->Written_Off_Amt_Total : '-' ?> |
|
| Rate of Interest |
CAIS_Account_DETAILS->Rate_of_Interest) ? $account_details->CAIS_Account_DETAILS->Rate_of_Interest : '-' ?> |
|
| Current Balance |
CAIS_Account_DETAILS->Current_Balance) ? $account_details->CAIS_Account_DETAILS->Current_Balance : '-' ?> |
|
| Principal Write-off |
CAIS_Account_DETAILS->Written_Off_Amt_Principal) ? $account_details->CAIS_Account_DETAILS->Written_Off_Amt_Principal : '-' ?> |
|
| Value of Collateral |
CAIS_Account_DETAILS->Value_of_Collateral) ? $account_details->CAIS_Account_DETAILS->Value_of_Collateral : '-' ?> |
|
| Amount Overdue |
CAIS_Account_DETAILS->Amount_Past_Due)? $account_details->CAIS_Account_DETAILS->Amount_Past_Due : '-' ?> |
|
| Settlement Amt |
CAIS_Account_DETAILS->Settlement_Amount) ? $account_details->CAIS_Account_DETAILS->Settlement_Amount : '' ?> |
|
| Type of Collateral |
CAIS_Account_DETAILS->Type_of_Collateral) ? $account_details->CAIS_Account_DETAILS->Type_of_Collateral : '-' ?> |
|
| Last Payment Date |
CAIS_Account_DETAILS->Date_of_Last_Payment) ? \Carbon\Carbon::parse($account_details->CAIS_Account_DETAILS->Date_of_Last_Payment)->format('d-M-Y') : '-' ?> |
|
|
| SuitFiled Willful Default WrittenOff Status |
- |
|
| SuitFiled Willful Default |
- |
|
| Written off Settled Status |
- |
|
|
| Payment History |
| DPD |
Dec |
Nov |
Oct |
Sep |
Aug |
Jul |
Jun |
May |
Apr |
Mar |
Feb |
Jan |
@if(gettype($account_details->CAIS_Account_DETAILS->CAIS_Account_History) == 'array' && count((array)$account_details->CAIS_Account_DETAILS->CAIS_Account_History) > 0)
['Days_Past_Due'=> '-'],'11' => ['Days_Past_Due'=> '-'],'10' => ['Days_Past_Due'=> '-'],'9' => ['Days_Past_Due'=> '-'],'8' => ['Days_Past_Due'=> '-'],'7' => ['Days_Past_Due'=> '-'],'6' => ['Days_Past_Due'=> '-'],'5' => ['Days_Past_Due'=> '-'],'4' => ['Days_Past_Due'=> '-'],'3' => ['Days_Past_Due'=> '-'],'2' => ['Days_Past_Due'=> '-'],'1' => ['Days_Past_Due'=> '-']];
// echo 'Monthly -> '.print_r($monthly).' ';
foreach ($account_details->CAIS_Account_DETAILS->CAIS_Account_History as $key => $cais_account_details){
$cais_account_details->Year = (int)$cais_account_details->Year;
$cais_account_details->Month = (int)$cais_account_details->Month;
$yearly_history[$cais_account_details->Year][$cais_account_details->Month] = ['Days_Past_Due' => isset($cais_account_details->Days_Past_Due) && (int)$cais_account_details->Days_Past_Due > 0 ? $cais_account_details->Days_Past_Due : 'O'];
}
// foreach ($yearly_history as $year => $month){
////// echo 'Year -> '.$year;
// $combined = $month+$monthly;
// krsort($combined);
// echo ''.print_r($combined).' ';
// foreach ($combined as $key => $value){
//// echo 'DPD -> '.'Month -> '.$key.' ';
//// echo 'DPD -> '.$value['Days_Past_Due'].' ';
////// echo ' DPD ->'.print_r($value['Days_Past_Due']).' ';
// }
// }
// echo ''.print_r($yearly_history).' ';
?>
@foreach ($yearly_history as $year => $month)
|
'.print_r($combined).'';
?>
@foreach ($combined as $key => $value)
@if($value['Days_Past_Due'])
@if($key && $key == '12'){!! $value['Days_Past_Due'] !!} | @endif
@if($key && $key == '11'){!! $value['Days_Past_Due'] !!} | @endif
@if($key && $key == '10'){!! $value['Days_Past_Due'] !!} | @endif
@if($key && $key == '9'){!! $value['Days_Past_Due'] !!} | @endif
@if($key && $key == '8'){!! $value['Days_Past_Due'] !!} | @endif
@if($key && $key == '7'){!! $value['Days_Past_Due'] !!} | @endif
@if($key && $key == '6'){!! $value['Days_Past_Due'] !!} | @endif
@if($key && $key == '5'){!! $value['Days_Past_Due'] !!} | @endif
@if($key && $key == '4'){!! $value['Days_Past_Due'] !!} | @endif
@if($key && $key == '3'){!! $value['Days_Past_Due'] !!} | @endif
@if($key && $key == '2'){!! $value['Days_Past_Due'] !!} | @endif
@if($key && $key == '1'){!! $value['Days_Past_Due'] !!} | @endif
@endif
@endforeach
@endforeach
@else
@if(isset($account_details->CAIS_Account_DETAILS->CAIS_Account_History) && $account_details->CAIS_Account_DETAILS->CAIS_Account_History)
| CAIS_Account_DETAILS->CAIS_Account_History->Year) ? $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Year : '-' ?> |
CAIS_Account_DETAILS->CAIS_Account_History->Month && $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Month == '12' && !empty($account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due)) ? $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due : '-' ?> |
CAIS_Account_DETAILS->CAIS_Account_History->Month && $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Month == '11' && !empty($account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due)) ? $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due : '-' ?> |
CAIS_Account_DETAILS->CAIS_Account_History->Month && $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Month == '10' && !empty($account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due)) ? $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due : '-' ?> |
CAIS_Account_DETAILS->CAIS_Account_History->Month && $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Month == '09' && !empty($account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due)) ? $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due : '-' ?> |
CAIS_Account_DETAILS->CAIS_Account_History->Month && $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Month == '08' && !empty($account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due)) ? $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due : '-' ?> |
CAIS_Account_DETAILS->CAIS_Account_History->Month && $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Month == '07' && !empty($account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due)) ? $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due : '-' ?> |
CAIS_Account_DETAILS->CAIS_Account_History->Month && $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Month == '06' && !empty($account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due)) ? $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due : '-' ?> |
CAIS_Account_DETAILS->CAIS_Account_History->Month && $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Month == '05' && !empty($account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due)) ? $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due : '-' ?> |
CAIS_Account_DETAILS->CAIS_Account_History->Month && $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Month == '04' && !empty($account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due)) ? $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due : '-' ?> |
CAIS_Account_DETAILS->CAIS_Account_History->Month && $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Month == '03' && !empty($account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due)) ? $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due : '-' ?> |
CAIS_Account_DETAILS->CAIS_Account_History->Month && $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Month == '02' && !empty($account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due)) ? $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due : '-' ?> |
CAIS_Account_DETAILS->CAIS_Account_History->Month && $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Month == '01' && !empty($account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due)) ? $account_details->CAIS_Account_DETAILS->CAIS_Account_History->Days_Past_Due : '-' ?> |
@endif
@endif
|
|
| Consumer Personal details on the Credit Account |
| Date of Birth |
CAIS_Account_DETAILS->CAIS_Holder_Details->Date_of_birth) ? \Carbon\Carbon::parse($account_details->CAIS_Account_DETAILS->CAIS_Holder_Details->Date_of_birth)->format('d-M-Y') : '-'?> |
| Gender |
CAIS_Account_DETAILS->CAIS_Holder_Details->Gender_Code) ? ($account_details->CAIS_Account_DETAILS->CAIS_Holder_Details->Gender_Code == 1 ? 'Male' : 'Female') : '-' ?> |
| Occupation |
- |
| Email address |
CAIS_Account_DETAILS->CAIS_Holder_ID_Details->EMailId) ? $account_details->CAIS_Account_DETAILS->CAIS_Holder_ID_Details->EMailId : '-'?> |
|
| Phone Type |
Phone Number |
Extension |
| Mobile |
CAIS_Account_DETAILS->CAIS_Holder_Phone_Details->Telephone_Number) ? $account_details->CAIS_Account_DETAILS->CAIS_Holder_Phone_Details->Telephone_Number : '-'?> |
- |
|
| ID Type |
ID Number |
Date of issue |
Date of Expiry |
| PAN |
CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Income_TAX_PAN) ? $account_details->CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Income_TAX_PAN : '-'?> |
CAIS_Account_DETAILS->CAIS_Holder_ID_Details->PAN_Issue_Date) ? $account_details->CAIS_Account_DETAILS->CAIS_Holder_ID_Details->PAN_Issue_Date : '-'?> |
CAIS_Account_DETAILS->CAIS_Holder_ID_Details->PAN_Expiration_Date) ? $account_details->CAIS_Account_DETAILS->CAIS_Holder_ID_Details->PAN_Expiration_Date : '-'?> |
| Passport |
CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Passport_Number) ? $account_details->CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Passport_Number : '-'?> |
CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Passport_Issue_Date) ? $account_details->CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Passport_Issue_Date : '-'?> |
CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Passport_Expiration_Date) ? $account_details->CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Passport_Expiration_Date : '-'?> |
| Voter ID |
CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Voter_ID_Number) ? $account_details->CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Voter_ID_Number : '-'?> |
CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Voter_ID_Issue_Date) ? $account_details->CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Voter_ID_Issue_Date : '-'?> |
CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Voter_ID_Expiration_Date) ? $account_details->CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Voter_ID_Expiration_Date : '-'?> |
| Aadhaar/UID |
CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Universal_ID_Number) ? $account_details->CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Universal_ID_Number : '-'?> |
CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Universal_ID_Issue_Date) ? $account_details->CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Universal_ID_Issue_Date : '-'?> |
CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Universal_ID_Expiration_Date) ? $account_details->CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Universal_ID_Expiration_Date : '-'?> |
| Driving License |
CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Driver_License_Number) ? $account_details->CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Driver_License_Number : '-'?> |
CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Driver_License_Issue_Date) ? $account_details->CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Driver_License_Issue_Date : '-'?> |
CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Driver_License_Expiration_Date) ? $account_details->CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Driver_License_Expiration_Date : '-'?> |
| Ration Card |
CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Ration_Card_Number) ? $account_details->CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Ration_Card_Number : '-'?> |
CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Ration_Card_Issue_Date) ? $account_details->CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Ration_Card_Issue_Date : '-'?> |
CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Ration_Card_Expiration_Date) ? $account_details->CAIS_Account_DETAILS->CAIS_Holder_ID_Details->Ration_Card_Expiration_Date : '-'?> |
|
|
| |
@else
@foreach($account_details->CAIS_Account_DETAILS as $key=>$cais_detail)
|
| Account_Type) && array_key_exists((int)$cais_detail->Account_Type, $accountType) ? $accountType[(int)$cais_detail->Account_Type] : '-'?> |
{!! $cais_detail->Subscriber_Name !!} |
|
Acct {!! $key+1 !!} |
@if(count((array)$cais_detail) > 0)
@if(isset($d['CAIS_Holder_Details'][0]))
@foreach($d['CAIS_Holder_Details'] as $k => $subcaisName)
| |
@endforeach
@else
| CAIS_Holder_Details->First_Name_Non_Normalized ?? '';?> CAIS_Holder_Details->Surname_Non_Normalized ?? '';?> |
@endif
@if(isset($d['CAIS_Holder_Address_Details'][0]))
@foreach($d['CAIS_Holder_Address_Details'] as $ky => $subcaisAddress)
| Address {!! $ky+1 !!} |
|
@endforeach
@else
CAIS_Holder_Address_Details ?? '';
$first_line2 = $cais_address_details2->First_Line_Of_Address_non_normalized ?? '';
$second_line2 = $cais_address_details2->Second_Line_Of_Address_non_normalized ?? '';
$third_line2 = $cais_address_details2->Third_Line_Of_Address_non_normalized ?? '';
$state_name2 = $cais_address_details2->State_non_normalized ?? '';
$postal2 = $cais_address_details2->ZIP_Postal_Code_non_normalized ?? '';
?>
| Address 1 |
|
@endif
|
@else
| {!! $cais_detail->CAIS_Holder_Details->First_Name_Non_Normalized . " " . $cais_detail->CAIS_Holder_Details->Surname_Non_Normalized !!} |
CAIS_Holder_Address_Details ?? '';
$first_line = $cais_address_details->First_Line_Of_Address_non_normalized ?? '';
$second_line = $cais_address_details->Second_Line_Of_Address_non_normalized ?? '';
$third_line = $cais_address_details->Third_Line_Of_Address_non_normalized ?? '';
$state_name = $cais_address_details->State_non_normalized ?? '';
$postal = $cais_address_details->ZIP_Postal_Code_non_normalized ?? '';
?>
| Address 1 |
|
|
@endif
|
|
|
|
| Credit Account details |
| Account terms |
Account description |
Account details |
| Account Number |
Account_Number) ? $cais_detail->Account_Number : '-'?> |
|
| Date Reported |
Date_Reported) ? \Carbon\Carbon::parse($cais_detail->Date_Reported)->format('d-M-Y') : '-' ?> |
|
| Credit Limit Amt |
Credit_Limit_Amount) ? $cais_detail->Credit_Limit_Amount : '-' ?> |
|
| Date Opened |
Open_Date) ? \Carbon\Carbon::parse($cais_detail->Open_Date)->format('d-M-Y') : '-' ?> |
|
| Loan Type |
Account_Type) && array_key_exists((int)$cais_detail->Account_Type, $accountType) ? $accountType[(int)$cais_detail->Account_Type] : '-'?> |
|
|
| Date Closed |
Date_Closed) ? \Carbon\Carbon::parse($cais_detail->Date_Closed)->format('d-M-Y') : '-' ?> |
|
| Account Status |
Account_Status) && array_key_exists((int)$cais_detail->Account_Status, $accountStatusCode) ? $accountStatusCode[(int)$cais_detail->Account_Status] : '-'?> |
|
| Repayment Tenure |
Repayment_Tenure) ? $cais_detail->Repayment_Tenure : '-' ?> |
|
| Ownership |
AccountHoldertypeCode) && array_key_exists((int)$cais_detail->AccountHoldertypeCode, $accountHolderType) ? $accountHolderType[(int)$cais_detail->AccountHoldertypeCode] : '-'?>
|
|
| Highest Credit |
Highest_Credit_or_Original_Loan_Amount) ? $cais_detail->Highest_Credit_or_Original_Loan_Amount : '-' ?> |
|
| Total Write-off Amt |
Written_Off_Amt_Total) ? $cais_detail->Written_Off_Amt_Total : '-' ?> |
|
| Rate of Interest |
Rate_of_Interest) ? $cais_detail->Rate_of_Interest : '-' ?> |
|
| Current Balance |
Current_Balance) ? $cais_detail->Current_Balance : '-' ?> |
|
| Principal Write-off |
Written_Off_Amt_Principal) ? $cais_detail->Written_Off_Amt_Principal : '-' ?> |
|
| Value of Collateral |
Value_of_Collateral) ? $cais_detail->Value_of_Collateral : '-' ?> |
|
| Amount Overdue |
Amount_Past_Due)? $cais_detail->Amount_Past_Due : '-' ?> |
|
| Settlement Amt |
Settlement_Amount) ? $cais_detail->Settlement_Amount : '' ?> |
|
| Type of Collateral |
Type_of_Collateral) ? $cais_detail->Type_of_Collateral : '-' ?> |
|
| Last Payment Date |
Date_of_Last_Payment) ? \Carbon\Carbon::parse($cais_detail->Date_of_Last_Payment)->format('d-M-Y') : '-' ?> |
|
|
| SuitFiled Willful Default WrittenOff Status |
- |
|
| SuitFiled Willful Default |
- |
|
| Written off Settled Status |
- |
|
|
| Payment History |
| DPD |
Dec |
Nov |
Oct |
Sep |
Aug |
Jul |
Jun |
May |
Apr |
Mar |
Feb |
Jan |
@if(gettype($cais_detail->CAIS_Account_History) == 'array' && count((array)$cais_detail->CAIS_Account_History) > 0)
['Days_Past_Due'=> '-'],'11' => ['Days_Past_Due'=> '-'],'10' => ['Days_Past_Due'=> '-'],'9' => ['Days_Past_Due'=> '-'],'8' => ['Days_Past_Due'=> '-'],'7' => ['Days_Past_Due'=> '-'],'6' => ['Days_Past_Due'=> '-'],'5' => ['Days_Past_Due'=> '-'],'4' => ['Days_Past_Due'=> '-'],'3' => ['Days_Past_Due'=> '-'],'2' => ['Days_Past_Due'=> '-'],'1' => ['Days_Past_Due'=> '-']];
// echo 'Monthly -> '.print_r($monthly).' ';
$monthMis = 0;
foreach ($cais_detail->CAIS_Account_History as $key => $cais_account_details){
$cais_account_details->Year = (int)$cais_account_details->Year;
$monthMis = isset($cais_account_details->Month) ? (int)$cais_account_details->Month : (int)$monthMis - 1;
$cais_account_details->Month = $monthMis;
$yearly_history[$cais_account_details->Year][$cais_account_details->Month] = ['Days_Past_Due' => isset($cais_account_details->Days_Past_Due) && (int)$cais_account_details->Days_Past_Due > 0 ? $cais_account_details->Days_Past_Due : 'O'];
}
// foreach ($yearly_history as $year => $month){
////// echo 'Year -> '.$year;
// $combined = $month+$monthly;
// krsort($combined);
// echo ''.print_r($combined).' ';
// foreach ($combined as $key => $value){
//// echo 'DPD -> '.'Month -> '.$key.' ';
//// echo 'DPD -> '.$value['Days_Past_Due'].' ';
////// echo ' DPD ->'.print_r($value['Days_Past_Due']).' ';
// }
// }
// echo ''.print_r($yearly_history).' ';
?>
@foreach ($yearly_history as $year => $month)
|
'.print_r($combined).'';
?>
@foreach ($combined as $key => $value)
@if($value['Days_Past_Due'])
@if($key && $key == '12'){!! $value['Days_Past_Due'] !!} | @endif
@if($key && $key == '11'){!! $value['Days_Past_Due'] !!} | @endif
@if($key && $key == '10'){!! $value['Days_Past_Due'] !!} | @endif
@if($key && $key == '9'){!! $value['Days_Past_Due'] !!} | @endif
@if($key && $key == '8'){!! $value['Days_Past_Due'] !!} | @endif
@if($key && $key == '7'){!! $value['Days_Past_Due'] !!} | @endif
@if($key && $key == '6'){!! $value['Days_Past_Due'] !!} | @endif
@if($key && $key == '5'){!! $value['Days_Past_Due'] !!} | @endif
@if($key && $key == '4'){!! $value['Days_Past_Due'] !!} | @endif
@if($key && $key == '3'){!! $value['Days_Past_Due'] !!} | @endif
@if($key && $key == '2'){!! $value['Days_Past_Due'] !!} | @endif
@if($key && $key == '1'){!! $value['Days_Past_Due'] !!} | @endif
@endif
@endforeach
@endforeach
@else
@if(isset($cais_detail->CAIS_Account_History) && $cais_detail->CAIS_Account_History)
| CAIS_Account_History->Year) ? $cais_detail->CAIS_Account_History->Year : '-' ?> |
CAIS_Account_History->Month && $cais_detail->CAIS_Account_History->Month == '12' && !empty($cais_detail->CAIS_Account_History->Days_Past_Due)) ? $cais_detail->CAIS_Account_History->Days_Past_Due : '-' ?> |
CAIS_Account_History->Month && $cais_detail->CAIS_Account_History->Month == '11' && !empty($cais_detail->CAIS_Account_History->Days_Past_Due)) ? $cais_detail->CAIS_Account_History->Days_Past_Due : '-' ?> |
CAIS_Account_History->Month && $cais_detail->CAIS_Account_History->Month == '10' && !empty($cais_detail->CAIS_Account_History->Days_Past_Due)) ? $cais_detail->CAIS_Account_History->Days_Past_Due : '-' ?> |
CAIS_Account_History->Month && $cais_detail->CAIS_Account_History->Month == '09' && !empty($cais_detail->CAIS_Account_History->Days_Past_Due)) ? $cais_detail->CAIS_Account_History->Days_Past_Due : '-' ?> |
CAIS_Account_History->Month && $cais_detail->CAIS_Account_History->Month == '08' && !empty($cais_detail->CAIS_Account_History->Days_Past_Due)) ? $cais_detail->CAIS_Account_History->Days_Past_Due : '-' ?> |
CAIS_Account_History->Month && $cais_detail->CAIS_Account_History->Month == '07' && !empty($cais_detail->CAIS_Account_History->Days_Past_Due)) ? $cais_detail->CAIS_Account_History->Days_Past_Due : '-' ?> |
CAIS_Account_History->Month && $cais_detail->CAIS_Account_History->Month == '06' && !empty($cais_detail->CAIS_Account_History->Days_Past_Due)) ? $cais_detail->CAIS_Account_History->Days_Past_Due : '-' ?> |
CAIS_Account_History->Month && $cais_detail->CAIS_Account_History->Month == '05' && !empty($cais_detail->CAIS_Account_History->Days_Past_Due)) ? $cais_detail->CAIS_Account_History->Days_Past_Due : '-' ?> |
CAIS_Account_History->Month && $cais_detail->CAIS_Account_History->Month == '04' && !empty($cais_detail->CAIS_Account_History->Days_Past_Due)) ? $cais_detail->CAIS_Account_History->Days_Past_Due : '-' ?> |
CAIS_Account_History->Month && $cais_detail->CAIS_Account_History->Month == '03' && !empty($cais_detail->CAIS_Account_History->Days_Past_Due)) ? $cais_detail->CAIS_Account_History->Days_Past_Due : '-' ?> |
CAIS_Account_History->Month && $cais_detail->CAIS_Account_History->Month == '02' && !empty($cais_detail->CAIS_Account_History->Days_Past_Due)) ? $cais_detail->CAIS_Account_History->Days_Past_Due : '-' ?> |
CAIS_Account_History->Month && $cais_detail->CAIS_Account_History->Month == '01' && !empty($cais_detail->CAIS_Account_History->Days_Past_Due)) ? $cais_detail->CAIS_Account_History->Days_Past_Due : '-' ?> |
@endif
@endif
|
|
| Consumer Personal details on the Credit Account |
| Date of Birth |
CAIS_Holder_Details->Date_of_birth) ? \Carbon\Carbon::parse($cais_detail->CAIS_Holder_Details->Date_of_birth)->format('d-M-Y') : '-'?> |
| Gender |
CAIS_Holder_Details->Gender_Code) ? ($cais_detail->CAIS_Holder_Details->Gender_Code == 1 ? 'Male' : 'Female') : '-' ?> |
| Occupation |
- |
| Email address |
CAIS_Holder_ID_Details->EMailId) ? $cais_detail->CAIS_Holder_ID_Details->EMailId : '-'?> |
|
| Phone Type |
Phone Number |
Extension |
| Mobile |
CAIS_Holder_Phone_Details->Telephone_Number) ? $cais_detail->CAIS_Holder_Phone_Details->Telephone_Number : '-'?> |
- |
|
| ID Type |
ID Number |
Date of issue |
Date of Expiry |
| PAN |
CAIS_Holder_ID_Details->Income_TAX_PAN) ? $cais_detail->CAIS_Holder_ID_Details->Income_TAX_PAN : '-'?> |
CAIS_Holder_ID_Details->PAN_Issue_Date) ? $cais_detail->CAIS_Holder_ID_Details->PAN_Issue_Date : '-'?> |
CAIS_Holder_ID_Details->PAN_Expiration_Date) ? $cais_detail->CAIS_Holder_ID_Details->PAN_Expiration_Date : '-'?> |
| Passport |
CAIS_Holder_ID_Details->Passport_Number) ? $cais_detail->CAIS_Holder_ID_Details->Passport_Number : '-'?> |
CAIS_Holder_ID_Details->Passport_Issue_Date) ? $cais_detail->CAIS_Holder_ID_Details->Passport_Issue_Date : '-'?> |
CAIS_Holder_ID_Details->Passport_Expiration_Date) ? $cais_detail->CAIS_Holder_ID_Details->Passport_Expiration_Date : '-'?> |
| Voter ID |
CAIS_Holder_ID_Details->Voter_ID_Number) ? $cais_detail->CAIS_Holder_ID_Details->Voter_ID_Number : '-'?> |
CAIS_Holder_ID_Details->Voter_ID_Issue_Date) ? $cais_detail->CAIS_Holder_ID_Details->Voter_ID_Issue_Date : '-'?> |
CAIS_Holder_ID_Details->Voter_ID_Expiration_Date) ? $cais_detail->CAIS_Holder_ID_Details->Voter_ID_Expiration_Date : '-'?> |
| Aadhaar/UID |
CAIS_Holder_ID_Details->Universal_ID_Number) ? $cais_detail->CAIS_Holder_ID_Details->Universal_ID_Number : '-'?> |
CAIS_Holder_ID_Details->Universal_ID_Issue_Date) ? $cais_detail->CAIS_Holder_ID_Details->Universal_ID_Issue_Date : '-'?> |
CAIS_Holder_ID_Details->Universal_ID_Expiration_Date) ? $cais_detail->CAIS_Holder_ID_Details->Universal_ID_Expiration_Date : '-'?> |
| Driving License |
CAIS_Holder_ID_Details->Driver_License_Number) ? $cais_detail->CAIS_Holder_ID_Details->Driver_License_Number : '-'?> |
CAIS_Holder_ID_Details->Driver_License_Issue_Date) ? $cais_detail->CAIS_Holder_ID_Details->Driver_License_Issue_Date : '-'?> |
CAIS_Holder_ID_Details->Driver_License_Expiration_Date) ? $cais_detail->CAIS_Holder_ID_Details->Driver_License_Expiration_Date : '-'?> |
| Ration Card |
CAIS_Holder_ID_Details->Ration_Card_Number) ? $cais_detail->CAIS_Holder_ID_Details->Ration_Card_Number : '-'?> |
CAIS_Holder_ID_Details->Ration_Card_Issue_Date) ? $cais_detail->CAIS_Holder_ID_Details->Ration_Card_Issue_Date : '-'?> |
CAIS_Holder_ID_Details->Ration_Card_Expiration_Date) ? $cais_detail->CAIS_Holder_ID_Details->Ration_Card_Expiration_Date : '-'?> |
|
|
| |
@endforeach
@endif
@endif
|
| |
| |
Credit Enquiries |
@if(count((array)$credit_caps_details) > 0)
|
@else
No Records Found |
@endif
|
| This section shows the names of the credit institutions that have processed a credit / loan application for you. |
|
@if(count((array)$credit_caps_details) > 0 && !empty($credit_caps_details))
| Sr. No |
Enquiry Date |
Member Type |
Purpose |
Enquiry Amount |
Enquiry Type |
@if(!is_array($credit_caps_details))
| 1 |
Date_of_Request) && !empty($credit_caps_details->ReportTime) ? \Carbon\Carbon::parse($credit_caps_details->Date_of_Request)->format('d-M-Y').' '.\Carbon\Carbon::parse($credit_caps_details->ReportTime)->format('H:i:s') : '-'?> |
- |
Enquiry_Reason) && array_key_exists((int)$credit_caps_details->Enquiry_Reason, $accountType) ? $accountType[(int)$credit_caps_details->Enquiry_Reason] : '-' ?> |
Amount_Financed) ? $credit_caps_details->Amount_Financed : '-'?> |
Credit |
@else
@foreach($credit_caps_details as $key=>$credit_caps_detail)
| {!! $key+1 !!} |
Date_of_Request) && !empty($credit_caps_detail->ReportTime) ? \Carbon\Carbon::parse($credit_caps_detail->Date_of_Request)->format('d-M-Y').' '.\Carbon\Carbon::parse($credit_caps_detail->ReportTime)->format('H:i:s') : '-'?> |
- |
Enquiry_Reason) && array_key_exists((int)$credit_caps_detail->Enquiry_Reason, $accountType) ? $accountType[(int)$credit_caps_detail->Enquiry_Reason] : '-' ?> |
Amount_Financed) ? $credit_caps_detail->Amount_Financed : '-'?> |
Credit |
@endforeach
@endif
|
@endif
| |
| |
Non-Credit Enquiries |
@if(count((array)$non_credit_caps_details) > 0)
|
@else
No Records Found |
@endif
|
| This section shows non-credit enquiries such as authentication requests and request for your Experian Credit Report & Credit Score by you. |
|
|
@if(count((array)$non_credit_caps_details) > 0 && !empty($non_credit_caps_details))
| Sr. No |
Enquiry Date |
Member Type |
Purpose |
Enquiry Amount |
Enquiry Type |
@if(!is_array($non_credit_caps_details))
| 1 |
Date_of_Request) && !empty($non_credit_caps_details->ReportTime) ? \Carbon\Carbon::parse($non_credit_caps_details->Date_of_Request)->format('d-M-Y').' '.\Carbon\Carbon::parse($non_credit_caps_details->ReportTime)->format('H:i:s') : '-'?> |
- |
Enquiry_Reason) && array_key_exists((int)$non_credit_caps_details->Enquiry_Reason, $accountType) ? $accountType[(int)$non_credit_caps_details->Enquiry_Reason] : '-' ?> |
Amount_Financed) ? $non_credit_caps_details->Amount_Financed : '-'?> |
Non-Credit |
@else
@foreach($non_credit_caps_details as $key=>$non_credit_caps_detail)
| {!! $key+1 !!} |
Date_of_Request) && !empty($non_credit_caps_detail->ReportTime) ? \Carbon\Carbon::parse($non_credit_caps_detail->Date_of_Request)->format('d-M-Y').' '.\Carbon\Carbon::parse($non_credit_caps_detail->ReportTime)->format('H:i:s') : '-'?> |
- |
Enquiry_Reason) && array_key_exists((int)$non_credit_caps_detail->Enquiry_Reason, $accountType) ? $accountType[(int)$non_credit_caps_detail->Enquiry_Reason] : '-' ?> |
Amount_Financed) ? $non_credit_caps_detail->Amount_Financed : '-'?> |
Non-Credit |
@endforeach
@endif
|
@endif
{{-- Break --}}
| |
{{-- Contact Us Block --}}
| |
Contacting Us |
|
|
If you find a discrepancy in your report, it is important to quickly raise it with your lender.Under the Credit Information Companies (Regulation) Act 2005 and as per the guidelines set by the Reserve Bank of India, Experian Credit Information Company of India Private Limited is not authorized to change any data in your credit information report without authorisation from your lender. However, we would be happy to help you with this process. If you would like us to help please visit https://consumer.experian.in/ECV-OLN/ to raise a dispute regarding the discrepancy.
|
|
|
{{-- Break --}}
|
{{-- Legend Block --}}
| |
Legend |
|
|
|
SF/WD/WO/SETTLED : Credit Accounts that are Suit Filed/ Wilful Default/ Written Off/ Settled. |
|
Active* : Credit accounts which are less than 90 days past due. |
|
Active** : Credit accounts which are over 90 days past due. |
|
Closed : Credit accounts that have 'Date Closed' populated. |
|
DPD : Days Past Due. Number of days that have passed from the agreed payment due date of EMI. |
|
|
DPD '0' : The number '0' in the circle indicates that the Payment is made as agreed and the credit account is up to date. |
|
|
|
DPD >0 : The number in the circle indicates the "Days Past Due" reported by the respective lender. |
|
|
When the below alphabets are shown in the DPD table, it means the lender is reporting Asset Classification and indicates the following: |
|
|
S : Standard: An account which is overdue for less than 90 days is considered as a Standard asset as per RBI guidelines. |
|
|
|
M : Special Mention: These accounts are "Standard" assets but for some discrepancy the lending organization would like to monitor this account closely. |
|
|
|
B : Substandard: An account which is overdue by 90 days for a period of less than or equal to 12 months is classified as Substandard asset as per RBI guidelines |
|
|
|
D : Doubtful: An account which is overdue by 90 days for more than 12 months is classified as doubtful asset as per RBI guidelines. |
|
|
|
L : Loss: An account where loss has been identified but the amount has not been written off, wholly or partially is classified as Loss asset as per RBI guidelines. |
|
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|
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{{-- Break --}}
|
{{-- End of Report --}}
| <---------- END OF REPORT ----------> |
{{-- Break --}}
|
{{-- Disclaimer --}}
Experian Credit Information Company of India Private Limited ("ECICI") is registered as a Credit Information Company with the Reserve Bank of India. ECICI has empanelled several credit institutions / specified users ("Members") with it, from whom it collects information / data for the bureau operations. The current Experian Credit Information Report and Experian Credit Score ("Report") is a reflection of this information / data as submitted by the Member to ECICI. The Report may thus be limited to the information / data contributed by the Member. The information / data provided in the Report is as current and up to date as provided by the Members. The Report is not a guarantee of any particular outcome and you may therefore not use any information, in full or in part, as the sole basis for any decision you take. ECICI does not accept any responsibility for any loss that may arise to you from relying on the information / data in the Report. ECICI will use all reasonable skill and care in the supply of the information / data to you. However since we obtain the information / data from the Member, ECICI cannot guarantee or warranty that the information contained in the Report is complete, accurate, up-to-date or error-free. Any information contained herein does not reflect the views of ECICI or its directors or employees.
This message contains legally privileged and/or confidential information. If you are not the intended recipient(s) of this message, you are hereby notified that any dissemination, distribution or copying of this Report is strictly prohibited. If you have received this Report in error, please notify the sender immediately and delete this Report from your computer and all your records. |
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{{-- Footer --}}
| © Experian Ltd, 2015. All rights reserved. |
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