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Personal Details Online Authentication Your Credit Report &
Score
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CURRENT APPLICATION INFORMATION
These are the details you give us when you apply for your Experian Credit Report.
Name Umaram Raika
Mobile Phone 8698279576 Telephone
Passport Number - PAN
Email somvienterprise@gmail.com Voter ID
Aadhaar Number
EXPERIAN CREDIT SCORE
Your Experian Credit Report is summarized in the form of Experian Credit Score which ranges from 300 - 900.
Score Factors
1. Recency : Recent Credit Account Defaults
582
2. Leverage : Credit Accounts with on-time re-p
3. Coverage : Non-delinquent and delinquent C
4. Delinquency Status : Defaults on Credit Accounts (curre
5. Credit Applications : Credit Account Applications over l
REPORT SUMMARY
Credit Account Summary Current Balance Amount Summary Credit Enquiry Summary
Total number of Accounts 1 Total Current Bal. amt 4,67,607 Last 7 days credit enqu
Active Accounts 1 SF/WD/WO/Settled amt 0 Last 30 days credit enq
Closed Accounts 0 Secured Accounts amt 4,67,607 Last 90 days credit enq
CC/CO -
Unsecured Accounts amt 0 Last 180 days credit en
SUMMARY: CREDIT ACCOUNT INFORMATION
This section displays summary of all your reported credit accounts found in the Experian Credit Bureau database.
Lender Account type Account No Ownership Date Reported Account
Status
Acct 1 XXXX AUTO LOAN XXX7942 Guarantor 15-03-2025 ACTIVE
CREDIT ACCOUNT INFORMATION DETAILS
This section has information based on the details provided to Experian by all our member banks, credit / financial ins
loan account.
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AUTO LOAN XXXX
Kaluramji Mr. Umaram Kaluramji Raika
Address 1 AP AKLUJ GANDHI CHOWK AKLUJ BRANCH POST OFFICE AKLUJROAD AKLUJ GANDHI
Credit Account details
Account terms Account description
Account Number XXX7942 Date Reported 20250315
Date Opened 23-06-2022 Loan Type AUTO LOAN
Date Closed - Account Status ACTIVE
Ownership Guarantor Sanctioned Amt 8,74,000
Rate of Interest - Current Balance 4,67,607
Value of Collateral - Amount Overdue 61,050
Type of Collateral - Last Payment Date 18-02-2025
SuitFiled Willful Default -
Payment History
DPD Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan
2025 65 50 53
2024 52 52 52 53 52 52 52 52 51 51 22
2023 52 21 22 0 53 52 52 22 30 30 30 0
2022 0 0 30 0 0 0 0
Consumer Personal details on the Credit Account
Date of Birth 01-01-1994 Phone Type Phone Number Extension Phone Type Phone Num
Gender Male Mobile 8698279576 - Mobile 86982795
Occupation - - -
Email address -
CREDIT ENQUIRIES
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This section shows the names of the credit institutions that have processed a credit / loan application for you.
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NON-CREDIT ENQUIRIES
This section shows non-credit enquiries such as authentication requests and request for your Experian Credit Report &
CONTACTING US
If you find a discrepancy in your report, it is important to quickly raise it with your lender.Under the Credit Information
the Reserve Bank of India, Experian Credit Information Company of India Private Limited is not authorized to change an
from your lender. However, we would be happy to help you with this process. If you would like us to help please visit h
the discrepancy.
LEGEND
Active: Credit Accounts that do not have “Date Closed” populated.
Closed : Credit accounts that have 'Date Closed' populated.
CO: Entity ceased while account was open.
CC: Entity ceased while account was closed.
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
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 i
S : Standard: An account which is overdue for less than 90 days is considered as a Standard asset as per RBI
M : Special Mention: These accounts are "Standard" assets but for some discrepancy the lending organizatio
B : Substandard: An account which is overdue by 90 days for a period of less than or equal to 12 months is
D : Doubtful: An account which is overdue by 90 days for more than 12 months is classified as doubtful asse
L : Loss: An account where loss has been identified but the amount has not been written off, wholly or parti
<---------- END OF REPORT ---------->
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institutions / specified users ("Members") with it, from whom it collects information / data for the bureau operations. T
Score ("Report") is a reflection of this information / data as submitted by the Member to ECICI. The Report may thus b
information / data provided in the Report is as current and up to date as provided by the Members. The Report is not
use any information, in full or in part, as the sole basis for any decision you take. ECICI does not accept any resp
information / data in the Report. ECICI will use all reasonable skill and care in the supply of the information / data
Member, ECICI cannot guarantee or warranty that the information contained in the Report is complete, accurate, up
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)
distribution or copying of this Report is strictly prohibited. If you have received this Report in error, please notify the s
all your records.
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