Individual – Credit Report Request Form
Personal Details
Date
Full Name
CNIC # - -
Passport # If foreign national
Date of Birth DD MM YYYY
Address – Line 1
Address – Line 2
Address – Line 3 City Postal Code
Phone # Mobile 1 Mobile 2*
Home Phone
Email Address
Please provide details of credit facilities availed
Sr. # Insititution Name Credit Limit Facility Date
_______________________
Applicant’s Signature
(As per CNIC)
Aequitas Information Services Limited ● Plaza 8-B, Commercial Area, Phase V DHA, Lahore +92 42 37182703-6 ● [Link]
For Office Use Only
____________________________________________________________________________________________________________
CIR Charges Deposited in AISL account Yes / No
Deposit Slip # _________________________ ____________________________
Officer’s Sign & Date
The following documents will be required for verification purposes:
Identity Verification
1) Physical valid (Not Expired) CNIC/Passport/Driving Licence
a. Copy of CNIC/Passport/Driving Licence (for Company record)
Guidelines for above documents
1) ID number should be clear in CNIC/Passport/Driving Licence
2) Picture should be clear in CNIC/Passport/Driving Licence
3) CNIC/Passport/Driving Licence should not be expired
Aequitas Information Services Limited ● Plaza 8-B, Commercial Area, Phase V DHA, Lahore +92 42 37182703-6 ● [Link]
Terms & Conditions
1) The report provided to you is based upon the data that is relevant at the time of the
request. You therefore acknowledge and accept that the accuracy and/or relevance of
report may change upon receiving the report.
2) Tasdeeq will use best efforts to ensure an acceptable level of quality of data as received
from its members. However, Tasdeeq does not guarantee the timeliness, correctness
or completeness of the information included in the report.
3) The information contained in this report has been compiled from data provided by
financial institutions and does not represent the opinion of Tasdeeq with regards to
the credit worthiness of the subject. Tasdeeq does not accept any responsibility for any
loss including consequential, incidental, indirect, exemplary or special damages,
including lost profits that may arise from relying on this information. Neither Tasdeeq,
nor its officers, directors, employees or agents shall be liable for any claim, injury or
damages suffered.
4) Tasdeeq will not be responsible for any failure to generate a Credit Report in the event
the bank or credit / financial institution that you are a customer of ceases to provide
data to us.
5) Tasdeeq reserves the right, at its sole discretion, to change, modify, add or remove
portions of these Terms & Conditions, at any time. Your continued use of our service
following any changes will mean that you accept and agree to the changes.
______________________________
Applicant’s Signature & Date
(As per CNIC)
Aequitas Information Services Limited ● Plaza 8-B, Commercial Area, Phase V DHA, Lahore +92 42 37182703-6 ● [Link]
Summary of Rights (as per the Credit Bureau Act 2015)
1. Limitation on credit information
The scope of credit information that may be included in a credit information report be a credit bureau is limited by this Act.
Personal information that may appear on a credit information report is also specific and limited under this Act and rules and
regulations made thereunder. Certain type of information may not appear on your credit information report for longer than
a specified period of time.
2. Limitation on access to credit information reports
Credit information reports may only be issued to specific person under strictly defined circumstances and for specific
purposes. Credit bureaus are liable to follow certain steps pertaining to the manner in which credit information reports are
issued in order to ensure that the person to whom and the purposes for which credit information is being authorized by and
lies within the scope of this Act and the rules and regulation made thereunder.
3. Collection of credit information
On most occasions when a credit bureau is seeking your credit information from you, credit bureaus are required to inform
you that credit information is being collected; the purpose of such collection; intended recipients; name and address of the
credit information that is collecting the information and the agency that will hold such information; whether or not the supply
of the information is voluntary or mandatory and if mandatory the particular law under which it is required; the consequences,
if any, if all or any part of the requested information is not provided; the rights of access to and correction of credit
information held and used by the credit bureau as provided herein.
4. Disclosure of source of credit information
Credit bureaus are required to disclose the source of the credit information appearing on your credit information report
upon request and payment fee by you.
5. Right to credit information report
(1) You or your authorized attorney may obtain a copy of your credit information report from a credit bureau.
(2) Any use who takes an adverse action against you based in whole or in part on any information contained in a credit
information report is required to provide you a copy of the credit information report relied upon, the name, address
and telephone number of the credit bureau, which issued the credit information report in question and a statement
that the credit bureau did not make the decision to take the adverse action.
(3) In the event that a correction is made to the credit information report in response to your notification of error, the
concerned credit bureau must provide you with a copy free of cost of the updated credit information report.
6. Right to dispute incorrect credit information
(1) Credit bureaus must take reasonable steps to ensure that the credit they collect, collate, accept, store, maintain and
disseminate is accurate, up-to-date, complete and not misleading in any manner and for this purpose may make therein
corrections, deletions and additions regularly during the course of business.
(2) In any event that the accuracy, completeness or correctness of a credit information report relating to you or any part
thereof is disputed by you, you may notify the concerned credit bureau of the alleged error. The credit bureau must
acknowledge receipt of such notification of error and provide you with this summary of rights within the time period
prescribed.
(3) The credit bureau is required to re-investigate the disputed information, free-of-charge, within the period of time as
prescribed. Credit information reports issued while the investigation is pending shall clearly identify the disputed credit
information and that the same is being investigated for accuracy and the concerned credit bureau shall also, as far as
is reasonably practicable, inform those persons or entities who have received a credit information report containing the
credit information allegedly inaccurate and under investigation.
(4) If after re-investigation, any item contained in the credit information report is found to be inaccurate or incomplete or
otherwise incorrect, the credit bureau must immediately and without undue delay delete such item or modify such
item, as appropriate, in the credit information report to the concerned debtor. The credit bureau must also, if reasonably
practicable, inform each person or entity to whom the credit information report containing inaccurate credit information
is supplied, about the dispute and the result of investigation.
(5) If after re-investigation, the credit bureau finds that the disputed items are accurate, complete and correct, you may file
a brief written statement setting forth the nature of the dispute, which the credit bureau must include in the subsequent
credit information reports concerning you a or a clear and accurate summary of such statement unless there is
reasonable ground to believe that such dispute is frivolous or irrelevant along with a statement detailing the re-
investigation of report findings.
7. Right to file complaint with the State Bank of Pakistan
If you are aggrieved by any action or omission of a credit bureau, including the result of re-investigation conducted in
response to your notification of alleged error or by that of a c credit institution, credit information furnisher or user
under this Act or the rules and regulations made thereunder, you have the right to lodge a complaint with the State
Bank of Pakistan.
Aequitas Information Services Limited ● Plaza 8-B, Commercial Area, Phase V DHA, Lahore +92 42 37182703-6 ● [Link]