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Understand your Credit
Find out what is in your credit report, how credit works, and what is a credit score
Why TASDEEQ
TASDEEQ is the only credit bureau in Pakistan providing comprehensive credit monitoring to consumers.
TASDEEQ CIR
TASDEEQ Credit Score
Intuitive Mobile App
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Your TASDEEQ for every financial decision
Stay on top of your financial footprint with TASDEEQ’s market leading services and find out what lenders are looking for.
How to file a dispute?
If you notice any discrepancies in your CIR, you can follow the steps below and file a dispute:
STEP-1
STEP-2
STEP-3
Original as well as one (1) copy of CNIC/Passport/Driving Licens relevant data, and visuals.
A Credit Information Bureau collects credit data of borrowers from various credit providers such as Banks, Microfinance Institutions, Telcos, Utilities etc to develop a comprehensive database. This database is then used to provide information regarding the credit history and credit worthiness of a potential borrower.
As per State Bank of Pakistan’s Credit Information Bureau Act, 2015 it is mandatory for all financial institutions to share credit data with a licensed credit bureau. Moreover, going forward we will be collecting data from other non-conventional sources such as Telcos, Utilities, Insurance Companies etc.
Currently, only member financial institutions can avail our services. However, our services will soon be available for individuals and corporate clients as well.Currently, only member financial institutions can avail our services. However, our services will soon be available for individuals and corporate clients as well.
As per the Credit Bureau Act, 2015 all financial institutions are required to provide us data for the preceding month within the first ten days of the next month. Hence, our database is updated every month.
For individuals, default history for the past 3 years and bankruptcy for 5 years appears in our CIR. For corporates, bankruptcy for 10 years is shown in the CIR.
Please click here to know the dispute resolution process
In the past, a number of credit information bureaus have been operational in Pakistan. However, as per SBP’s Credit Information Bureau Act, 2015, only licensed credit information bureaus can now operate in Pakistan. Currently, Aequitas Information Services Limited (AISL) under the brand name TASDEEQ is Pakistan’s first State Bank Licensed Credit Information Bureau.