Banking & Insurance

Syndication & Funding


Credit Score Check:

A Credit Score is a three-digit number indicative of your credit behaviour. Consider it marks given to you by financial institutions for your financial behaviour. A high score means you have good money-management skills and that you repay your debts on time. Likewise, a low score raises questions about your financial credibility.

Importance of CIBIL Credit Report:

All banks and financial institutions check credit reports of the loan or credit card applicants before approving their credit applications. The credit report and credit score of an individual indicate his/her financial stability, which helps the lenders to analyse whether that individual will be able to repay the loan amount on time or not. Credit reports are generated by the credit bureaus on the basis of credit information that is collected from member banks and credit institutions at regular intervals.

CIBIL is one of the oldest and major credit bureaus in India that generates a credit report along with a credit score that defines credit-worthiness of an individual. If you have been paying credit bills and loan amount on time, then you will have a high credit score. High credit score means that there are more chances to get a loan at a considerate interest rate. If you have a low credit score of say below 650, then there are high chances that your loan application will get rejected by the lenders. For any individual, it is recommended that they check their CIBIL score in every 6 months so that they can maintain or improve it, in case the score is low.

Credit Report includes the following key information:

  • Name
  • Date of birth
  • Permanent Account Number(PAN)
  • Aadhar Card
  • Additional Identity Information such as the serial number of Driving License, Voter’s ID card, etc.
  • Current and previous residential addresses
  • Current and previous employers with their address
  • Income tax information availed through previous IT filings

  • Dates on which your credit report was pulled by lenders to determine loan/credit card eligibility
  • Information related to overdraft facilities available with your banking accounts, etc.

REQUIREMENTS FOR THE CREDIT SCORE CHECK:- (All copies of documents should be self attested by the customer)

  • Identity proof(any 1)
  • Address proof
  • Electricity bill
  • Income proof

How we help with credit Score CHECK

Seeking CReDIT Report

The Capital Flow on our behalf to the credit rating Agencies in India,Requesting a copy of our credit report.

credit report Analisys

Once a report is received from the agencies our expert would analyze the report and help you to understand the report.

Rating Conflict

In case if you conflict with the LOAN report than our experts will request the rating agency to analyze the report again.

Needs For Credit Score check


Solvency Report

A solvency report is a report prepared by a LOAN Rating Agency, which contains information relating to the LOAN worthiness and repayment track record of an individual.


Solvency Score

Solvency scoring companies use multiple factors to come to a LOAN score which represents the individual's LOAN worth


Capital Flow can help

Capital Flow will get your LOAN score our financial expert will provide you the advice and methods to improve your LOAN score


Rating companies

India has 3 LOAN companies namely CIBIL EQUIFAX india and Experian India


LOAN report information

These reports contain complete information of an individual and LOAN score