"AUTO LOAN", 2 => "HOUSING LOAN", 3 => "PROPERTY LOAN", 4 => "LOAN AGAINST SHARES/SECURITIES", 5 => "PERSONAL LOAN", 6 => "CONSUMER LOAN", 7 => "GOLD LOAN", 8 => "EDUCATIONAL LOAN", 9 => "LOAN TO PROFESSIONAL", 10 => "CREDIT CARD", 11 => "LEASING", 12 => "OVERDRAFT", 13 => "TWO-WHEELER LOAN", 14 => "NON-FUNDED CREDIT FACILITY", 15 => "LOAN AGAINST BANK DEPOSITS", 16 => "FLEET CARD", 17 => "Commercial Vehicle Loan", 18 => "Telco – Wireless", 19 => "Telco – Broadband", 20 => "Telco – Landline", 23 => "GECL Secured", 24 => "GECL Unsecured", 31 => "Secured Credit Card", 32 => "Used Car Loan", 33 => "Construction Equipment Loan", 34 => "Tractor Loan", 35 => "Corporate Credit Card", 36 => "Kisan Credit Card", 37 => "Loan on Credit Card", 38 => "Prime Minister Jaan Dhan Yojana - Overdraft", 39 => "Mudra Loans – Shishu / Kishor / Tarun", 40 => "Microfinance – Business Loan", 41 => "Microfinance – Personal Loan", 42 => "Microfinance – Housing Loan", 43 => "Microfinance – Others", 44 => "Pradhan Mantri Awas Yojana - Credit Link Subsidy Scheme MAY CLSS", 45 => "P2P Personal Loan", 46 => "P2P Auto Loan", 47 => "P2P Education Loan", 51 => "BUSINESS LOAN – GENERAL", 52 => "BUSINESS LOAN –PRIORITY SECTOR – SMALL BUSINESS", 53 => "BUSINESS LOAN –PRIORITY SECTOR – AGRICULTURE", 54 => "BUSINESS LOAN –PRIORITY SECTOR – OTHERS", 55 => "BUSINESS NON-FUNDED CREDIT FACILITY – GENERAL", 56 => "BUSINESS NON-FUNDED CREDIT FACILITY – PRIORITY SECTOR – SMALL BUSINESS", 57 => "BUSINESS NON-FUNDED CREDIT FACILITY – PRIORITY SECTOR – AGRICULTURE", 58 => "BUSINESS NON-FUNDED CREDIT FACILITY – PRIORITY SECTOR – OTHERS", 59 => "BUSINESS LOANS AGAINST BANK DEPOSITS", 60 => "Staff Loan", 61 => "Business Loan - Unsecured", 0 => "Others"]; $accountHolderType = [1 => "Individual", 2 => "Joint", 3 => "Authorized User", 7 => "Guarantor", 20 => "Deceased"]; $accountStatusCode = [00 => "No Suit Filed", 89 => "Wilful default", 93 => "Suit Filed(Wilful default)", 97 => "Suit Filed(Wilful Default) and Written-off", 30 => "Restructured", 31 => "Restructured Loan (Govt. Mandated)", 32 => "Settled", 33 => "Post (WO) Settled", 34 => "Account Sold", 35 => "Written Off and Account Sold", 36 => "Account Purchased", 37 => "Account Purchased and Written Off", 38 => "Account Purchased and Settled", 39 => "Account Purchased and Restructured", 40 => "Status Cleared", 41 => "Restructured Loan", 42 => "Restructured Loan (Govt. Mandated)", 43 => "Written-off", 44 => "Settled", 45 => "Post (WO) Settled", 46 => "Account Sold", 47 => "Written Off and Account Sold", 48 => "Account Purchased", 49 => "Account Purchased and Written Off", 50 => "Account Purchased and Settled", 51 => "Account Purchased and Restructured", 52 => "Status Cleared", 53 => "Suit Filed", 54 => "Suit Filed and Written-off", 55 => "Suit Filed and Settled", 56 => "Suit Filed and Post (WO) Settled", 57 => "Suit Filed and Account Sold", 58 => "Suit Filed and Written Off and Account Sold", 59 => "Suit Filed and Account Purchased", 60 => "Suit Filed and Account Purchased and Written Off", 61 => "Suit Filed and Account Purchased and Settled", 62 => "Suit Filed and Account Purchased and Restructured", 63 => "Suit Filed and Status Cleared", 64 => "Wilful Default and Restructured Loan", 65 => "Wilful Default and Restructured Loan (Govt. Mandated)", 66 => "Wilful Default and Settled", 67 => "Wilful Default and Post (WO) Settled", 68 => "Wilful Default and Account Sold", 69 => "Wilful Default and Written Off and Account Sold", 70 => "Wilful Default and Account Purchased", 72 => "Wilful Default and Account Purchased and Written Off", 73 => "Wilful Default and Account Purchased and Settled", 74 => "Wilful Default and Account Purchased and Restructured", 75 => "Wilful Default and Status Cleared", 76 => "Suit filed (Wilful default) and Restructured", 77 => "Suit filed (Wilful default) and Restructured Loan (Govt. Mandated)", 79 => "Suit filed (Wilful default) and Settled", 81 => "Suit filed (Wilful default) and Post (WO) Settled", 85 => "Suit filed (Wilful default) and Account Sold", 86 => "Suit filed (Wilful default) and Written Off and Account Sold", 87 => "Suit filed (Wilful default) and Account Purchased", 88 => "Suit filed (Wilful default) and Account Purchased and Written Off", 94 => "Suit filed (Wilful default) and Account Purchased and Settled", 90 => "Suit filed (Wilful default) and Account Purchased and Restructured",91 => "Suit filed (Wilful default) and Status Cleared",13 => "CLOSED",14 => "CLOSED",15 => "CLOSED",16 => "CLOSED",17 => "CLOSED",12 => "CLOSED",11 => "ACTIVE",71 => "ACTIVE",78 => "ACTIVE",80 => "ACTIVE",82 => "ACTIVE", 83 => "ACTIVE", 84 => "ACTIVE", 21 => "ACTIVE", 22 => "ACTIVE", 23 => "ACTIVE", 24 => "ACTIVE", 25 => "ACTIVE", 131 => "Restructured due to natural calamity",130 => "Restructured due to COVID-19"]; ?> {{--
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Experian Report Number (ERN): 1595411284899   
Unique Transaction ID: 1743324   
Report Created: 22-07-2020   
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Logo Experian Credit Report
Experian Report Number (ERN): 1595411284899   
Unique Transaction ID: 1743324   
Report Created: ReportDate) && isset($header->ReportTime) ? \Carbon\Carbon::parse($header->ReportDate)->format('d-M-Y').' '.\Carbon\Carbon::parse($header->ReportTime)->format('H:i:s') : '-'?>   
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© Experian Ltd, 2015. All rights reserved.Page $[page] of $[total]
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  @if(count((array)$credit_caps_details) > 0 && !empty($credit_caps_details)) @endif @if(count((array)$non_credit_caps_details) > 0 && !empty($non_credit_caps_details)) @endif {{-- Break --}} {{-- Contact Us Block --}} {{-- Break --}} {{-- Legend Block --}} {{-- Break --}} {{-- End of Report --}} {{-- Break --}} {{-- Disclaimer --}} {{-- Footer --}}
    Arrow Current Application Information
   These are the details you give us when you apply for your Experian Credit Report.
@if(isset($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
 
   Arrow Experian Credit Score
   Your Experian Credit Report is summarized in the form of Experian Credit Score which ranges from 300 - 900.
{{-- --}}
--}} {{-- Graph--}} {{-- 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
 
 
    Arrow 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 : '-'?>
SF/WD/WO/Settled amt -
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 : '-'?>
 
@if(isset($account_details->CAIS_Account_DETAILS)) @endif
   Arrow SUMMARY: Credit Account Information
   This section displays summary of all your reported credit accounts found in the Experian Credit Bureau database.
@foreach($account_details->CAIS_Account_DETAILS as $key=>$cais_details) @endforeach
  Lender Account type Account No Ownership Date Reported Account Status Date Opened Sanction Amt /
Highest Credit		 Current Balance Amount Overdue
Acct {!! $nKeysEc !!} 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) : '-' ?>
 
   Arrow 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($account_details->CAIS_Account_DETAILS)) @foreach($account_details->CAIS_Account_DETAILS as $key=>$cais_detail) @endforeach
Account_Type) && array_key_exists((int)$cais_detail->Account_Type, $accountType) ? $accountType[(int)$cais_detail->Account_Type] : '-'?> {!! $cais_detail->Subscriber_Name !!}   rightmark.png Acct {!! $nKeysEw !!}
@if(count((array)$cais_detail) > 0) @if(isset($d['CAIS_Holder_Details'][0])) @foreach($d['CAIS_Holder_Details'] as $k => $subcaisName) @endforeach @else @endif @if(isset($d['CAIS_Holder_Address_Details'][0])) @foreach($d['CAIS_Holder_Address_Details'] as $ky => $subcaisAddress) @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 ?? ''; ?> @endif @else 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 ?? ''; ?> @endif
CAIS_Holder_Details->First_Name_Non_Normalized ?? '';?> CAIS_Holder_Details->Surname_Non_Normalized ?? '';?>
Address {!! $ky+1 !!}
Address 1
{!! $cais_detail->CAIS_Holder_Details->First_Name_Non_Normalized . " " . $cais_detail->CAIS_Holder_Details->Surname_Non_Normalized !!}
Address 1
   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] : '-'?>
EMI -
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
@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($monthly).'
'; foreach ($cais_detail->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 && $key == '12')@endif @if($key && $key == '11')@endif @if($key && $key == '10')@endif @if($key && $key == '9')@endif @if($key && $key == '8')@endif @if($key && $key == '7')@endif @if($key && $key == '6')@endif @if($key && $key == '5')@endif @if($key && $key == '4')@endif @if($key && $key == '3')@endif @if($key && $key == '2')@endif @if($key && $key == '1')@endif @endif @endforeach @endforeach @else @if(isset($cais_detail->CAIS_Account_History) && $cais_detail->CAIS_Account_History) @endif @endif
DPD Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
{!! $value['Days_Past_Due'] !!}{!! $value['Days_Past_Due'] !!}{!! $value['Days_Past_Due'] !!}{!! $value['Days_Past_Due'] !!}{!! $value['Days_Past_Due'] !!}{!! $value['Days_Past_Due'] !!}{!! $value['Days_Past_Due'] !!}{!! $value['Days_Past_Due'] !!}{!! $value['Days_Past_Due'] !!}{!! $value['Days_Past_Due'] !!}{!! $value['Days_Past_Due'] !!}{!! $value['Days_Past_Due'] !!}
CAIS_Account_History->Year) ? $cais_detail->CAIS_Account_History->Year : '-' ?>
   Consumer Personal details on the Credit Account
Date of Birth CAIS_Holder_Details->Date_of_birth) ? \Carbon\Carbon::parse($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 : '-'?>
 
@endif
 
@if(count((array)$credit_caps_details) > 0) @else @endif
   Arrow Credit Enquiries No Records Found
   This section shows the names of the credit institutions that have processed a credit / loan application for you.
@foreach($credit_caps_details as $key=>$credit_caps_detail) @endforeach
Sr. No Enquiry Date Member Type Purpose Enquiry Amount Enquiry Type
{!! $nKeysEs !!} Date_of_Request) && !empty($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
 
@if(count((array)$non_credit_caps_details) > 0) @else @endif
   Arrow Non-Credit EnquiriesNo Records Found
   This section shows non-credit enquiries such as authentication requests and request for your Experian Credit Report & Credit Score by you.
@foreach($non_credit_caps_details as $key=>$non_credit_caps_detail) @endforeach
Sr. No Enquiry Date Member Type Purpose Enquiry Amount Enquiry Type
{!! $nKeysEs !!} Date_of_Request) && !empty($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
 
   Arrow 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.
   Arrow 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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