Pakistan’s First SBP Licensed Credit Bureau

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Why TASDEEQ

TASDEEQ is the only credit bureau in Pakistan providing comprehensive credit monitoring to consumers.

TASDEEQ CIR

Monitor what banks are looking at before approving your loan or any other credit.
Order Your Credit Report

TASDEEQ Alerts

Get instant alerts whenever there are any changes to your credit profile.

TASDEEQ Credit Score

Your credit score determines your credit worthiness.
Get Notified When Service is Live

Intuitive Mobile App

Manage your credit profile through our intuitive mobile app.
Get Notified When The App is Ready

Evaluate, enhance and build your financial future with the right information and tools

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.

Understanding Credit Reports &Their Value

What is a Credit Score and why it should matter to you?

How is Credit Score Calculated?

how to order a CIR report

How TASDEEQ Works

Understanding TASDEEQ Credit Report and what it contains

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
Download the following form
STEP-2
Fill in the form with required details
STEP-3
Bring the form to our Lahore or Karachi Office along with one of the following photo ID:
Original as well as one (1) copy of CNIC/Passport/Driving Licens relevant data, and visuals.
Download Form

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.