RAM Credit Info (RAMCI)

Sistem ini dikenali sebagai RAM Credit Info dibangunkan oleh syarikan RAM Credit Information Sdn Bhd yang terletak di Boulevard Jalan Syed Putra Kuala Lumpur. Ramci credit report akan dijanakan dalam bentuk pdf fail. Item yang boleh didapati dalam credit report Ramci ini seperti berikut:-

• i-RISK SCORE INTELLIGENCE – (IRISS)
  
  SECTION 1: SUMMARY
• i-Score (credit i-score)
• Inforation and Address in banking & RAMCI Databank
• i-Score (credit i-score)
• SECTION 3: LITIGATION INFORMATION- LEGAL SUITS - SUBJECT AS DEFENDANT & BANKRUPTCY ACTION
• SECTION 4: TRADE BUREAU / OTHER CREDIT REFERENCE
  - TRADE BUREAU / CREDIT REFERENCE NOTE: The following information is provided by third party sources for your reference. Searched Subject will also be listed if he/she is in Guarantor capacity. RAMCI does not guarantee the accuracy of the information. Please check with the Creditors for confirmation as alleged debts may have been settled since recorded. Users should NOT treat the information as conclusive factor for evaluation purpose.
  - ACCOUNT PAYMENT PROFILE
  -PAYMENT TREND (12 Months Period)
  - FINTECH CREDIT DETAILS
  - TRADE / CREDIT REFERENCE
• SECTION 5: ENQUIRIES
  - FINANCIAL RELATED SEARCH COUNT (paparan rekod pembayaran untuk 3 tahun yakni tahun terkini dan 2 tahun terkebelakang)
  - COMMERCIAL RELATED SEARCH COUNT
• LEGENDS
  
• SECTION 2: BANKING CREDIT INFORMATION
  - Banking Information Warning From the system, the user may see CCRIS Warning Message with the meaning as per below: 1. Pending Verification - the profile force added by a user awaiting verification by NRD/ROC/ROB of the profile. 2. Rejected - the profile had been submitted to NRD for verification but it was rejected due to non-existence of record in the NRD database. 3. Deceased - the profile had been submitted to NRD for verification but according to the NRD records, the individual is already "deceased". 4. Wound-up - the company had been reported as wound-up by ROC. Secured Facility Refer to loan which the borrower pledges some asset as collateral for the loan, which then becomes a secured debt owed to the creditor who gives the loan. Unsecured Facility Refer to loan that is not protected by a guarantor, or collateralized by a lien on specific assets of the borrower. Credit Card average utilization last 6 months [(monthly credit card total outstanding balance/ total limit) for last 6 months]*100 The ratio of credit card utilized amount compared to your credit limit for the last 6 months. Other Revolving Credits average utilization last 6 months [(monthly other revolving credits facility total outstanding balance / total limit) for last 6 months]*100 The ratio of all other revolving loans outstanding amount compared to the total limit for the last 6 months. It includes Overdraft, revolving credit facility, share margin financing facility, leasing receivables facility, other hire purchase receivables facility. Capacity Refers to whether the loan is taken directly or indirectly by the customer 1. Own = the credit facility is obtained by the borrower himself. 2. Joint = the credit facility is obtained by the borrower himself one of the borrowers in a joint application, eg. in a joint housing loan. 3. Sole = the credit facility is obtained by the sole proprietorship in which the borrower is the owner. 4. Partner = the credit facility is obtained by the partnership in which the borrower is one of the partners. 5. Prof = the credit facility is obtained by the professional body eg. (i.e. lawyers, doctors, accountants who are not registered with ROB) in which the borrower is one of the partners. For more legends, please refer to User Guide
  
  

i-RISK SCORE INTELLIGENCE – (IRISS)

Section1: Summary

Item yang terkandung seperti berikut:-

i-Score (credit i-score)

CREDIT SCORE Note: The i-SCORE is a credit score, which is a numeric representation of an individual or corporate's credit worthiness, based on prevailing information available on the credit files at the time of scoring. i-SCORE does not provide any conclusive evaluation or credit decisions for credit grantors

Dinilai dengan cara (Risk Grade Higher Risk)

• WEAK
• FAIR
• GOOD
• STRONG
• Lower Risk
  

SHAREHOLDING INTEREST

The following information relating to shareholding/directorship interest by the Subject may not be current. There may be changes which may not be currently available in our databank

PREVIOUS KNOWN COMPANIES / BUSINESSES

The following information relating to shareholding/directorship interest by the Subject is as available from our databank.

- SECTION 1: SUMMARY - SCORE INTERPRETATION

Explanation i-SCORE i-SCORE is a credit score, which is a numeric representation of an individual or corporation's credit worthiness, based on prevailing information available on the credit files at the time of scoring. The i-SCORE is calculated using advanced statistical modelling techniques, encapsulates comprehensive credit information (both banking and non-banking) from RAMCI to give you a simple 3 digits number to objectively assess your customers, business partners, vendors and others, for a better credit decision - the higher the number, the better the individual or corporation's credit worthiness. Risk Grade Risk Grade is risk segmentation for i-SCORE range for easy understanding and application. It has 10 risk grades from 1 to 10. A risk grade of "10" is considering the best. For non-scored individual, the Risk Grade will be "N/A" as well. Probability of Default (%) It is the predicted likelihood of an individual or corporation not able to repay its debts within the next 12 months. An individual with a higher probability of default is more risky than one with lower percentage. Key Contributing Factors (KCF) Key Contributing Factors are the key factors that have impact on why the individual or corporation's i-SCORE cannot be higher. It lists out the top 2 factors that lower the credit score. Non-Scored Segment The following are 3 scenarios that entity will fall under non-scored segment with i-SCORE = N/A:

NEXT? SECTION 2: BANKING CREDIT INFORMATION >>

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