Credit check
Confirm a candidate's credit history before handing them financial authority, on consent given in writing and for that purpose alone.
What a credit check confirms
A credit check reads a candidate's history with lenders through an RBI-licensed credit information company, commonly known in India as a CIBIL check. It is run only for roles that handle money or carry financial authority, and only once the candidate has given written consent to that specific check.
The score as reported by the bureau, the single figure most lenders and employers read first.
The track record on existing loans and credit cards: paid on time, delayed, or missed.
Debt currently owed across active accounts, set against the candidate's declared financial position where relevant.
Loans marked defaulted, settled or written off by a lender, with the account type and lender.
Recent applications for credit, which can signal financial stress before a default ever appears.
Flags raised by lenders for non-payment pursued through recovery or litigation.
Sources. An RBI-licensed credit information company, queried against the candidate's PAN once written consent for a credit check has been given. The response is annexed to the report exactly as the bureau returned it.
Four things a credit report carries
The report is one document with four distinct parts. A role rarely needs all four read the same way, which is why the summary you receive keeps them separate.
The number, and the band it falls in.
Active and closed loans, with tenure and repayment record.
Utilisation and payment record on every card on file.
Written-off debt, settlements, and suit-filed or wilful-defaulter flags.
How it works
Four steps. Consent for a credit check is collected separately from consent for the rest of the file, because it is a different kind of information.
The candidate gives specific written consent for a credit check, separate from consent for the rest of the file. Without it, the bureau will not release a report.
The report is pulled from an RBI-licensed credit information company against the candidate's PAN.
The score and any adverse flags are read against what the role actually requires, not treated as a pass or fail on their own.
The score and the relevant flags land in your dashboard, with the bureau's response annexed.
Checks that run alongside it
Name, date of birth and photograph matched against Aadhaar, PAN, Voter ID and Driving Licence records.
Identity check Directorship and DINCompanies a candidate directs or has directed, checked against MCA records.
Directorship check Global databaseSanctions, watchlist and regulator records, with every potential match adjudicated.
Global database check