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RAMCI Credit Info i-Risk Score Intelligent IRISS for Personal Loan
Embark on a journey to uncover the intricacies of your financial standing with RAMCI credit reports. Dive into the depths of RAM Credit Info’s comprehensive system, unveiling crucial components like i-Risk Score Intelligent (IRISS), Banking Credit Information, i-Score (credit i-score), and Credit Score. Delve deeper into your credit health, empowered with insights to make informed financial decisions. With RAMCI, access a wealth of information meticulously compiled and presented in PDF format, ensuring accuracy and reliability at every step of your financial journey.
RAMCI Credit Info: Summary
- Article Name: RAMCI Credit Info i-Risk Score Intelligent IRISS
- Category: #RAMCI #CreditInfo #FinancialManagement
- Purpose: General awareness
Exploring RAMCI Credit Report
Understanding RAM Credit Info (RAMCI)
This section delves into the comprehensive credit reporting system provided by RAM Credit Info (RAMCI). Within the RAMCI credit report, various crucial elements are encapsulated, including the i-Risk Score Intelligent (IRISS), Banking Credit Information, i-Score (credit i-score), and Credit Score. These components collectively furnish individuals with a holistic view of their credit health, empowering them to make informed financial decisions.
RAM Credit Info System
RAM Credit Info, operated by RAM Credit Information Sdn Bhd and situated at Boulevard Jalan Syed Putra, Kuala Lumpur, stands as a cornerstone in Malaysia’s credit reporting landscape. The system meticulously compiles credit-related data and generates comprehensive credit reports in PDF format. By leveraging cutting-edge technology and a robust infrastructure, RAMCI ensures the accuracy, reliability, and accessibility of credit information for individuals across the nation.
Section 1: i-Risk Score Intelligent – Summary
i-Score (Credit i-Score)
In this section, we provide a summary of the i-Risk Score Intelligent and delve into the details of the i-Score (credit i-score), shedding light on its significance in assessing creditworthiness.
Information and Address in Banking & RAMCI Databank i-Score (Credit i-Score)
In this segment, we explore the significance of Information and Address in banking and RAMCI Databank concerning the i-Score (credit i-score), highlighting its role in shaping credit profiles.
Section 3: Litigation Information – Legal Suits – Subjects as Defendant & Bankruptcy Action
Here, we delve into Litigation Information, specifically Legal Suits where individuals are subjects as defendants and actions related to bankruptcy. Understanding this aspect is crucial in comprehending the legal implications on credit profiles.
Section 4: Trade Bureau/Other Credit Reference Trade Bureau/Credit Reference
This section navigates the landscape of Trade Bureau and other credit references, providing insights into their role in credit evaluation. It also emphasizes the importance of cross-referencing information for accuracy.
NOTE: The following information is provided by third-party sources for your reference. Searched subjects will also be listed if they are in a 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 a conclusive factor for evaluation purposes.
Account Payment Profile
Dive into the intricacies of Account Payment Profile, exploring payment trends over a 12-month period, fintech credit details, and trade/credit references, providing a comprehensive view of individuals’ financial behaviors.
Section 5: Enquiries – Financial Related Search Count
This section unveils the Financial Related Search Count, showcasing payment records for the past 3 years, including the current year and the 2 preceding years. Commercial Related Search Count Legends provide clarity on search activities related to commercial endeavors.
Section 2: RAMCI Banking Credit Information
In this section, we delve into the comprehensive RAMCI Banking Credit Information, shedding light on crucial aspects that influence credit evaluations and lending decisions.
Banking Information Warning Messages
Users may encounter various warning messages within the RAMCI system, each carrying significant implications. These messages include:
- Pending Verification: Profile force added by a user awaiting verification by NRD/ROC/ROB of the profile.
- Rejected: Profile submitted to NRD for verification but rejected due to non-existence of record in the NRD database.
- Deceased: Profile submitted to NRD for verification, but according to NRD records, the individual is already “deceased.”
- Wound-up: Company reported as wound-up by ROC.
Secured and Unsecured Facilities
Understanding the distinction between secured and unsecured facilities is crucial:
- Secured Facility: Loan for which the borrower pledges assets as collateral, becoming a secured debt owed to the creditor.
- Unsecured Facility: Loan not protected by a guarantor or collateralized by a lien on specific assets of the borrower.
Credit Card and Other Revolving Credits Utilization
Assessing credit utilization ratios provides insights into credit management habits:
- Credit Card Utilization: Ratio of monthly credit card outstanding balance to total limit over the last 6 months.
- Other Revolving Credits Utilization: Ratio of all other revolving loans outstanding amount to total limit over the last 6 months.
Capacity
Capacity refers to the manner in which the loan is obtained:
- Own: Credit facility obtained by the borrower directly.
- Joint: Credit facility obtained by one of the borrowers in a joint application.
- Sole: Credit facility obtained by the sole proprietorship where the borrower is the owner.
- Partner: Credit facility obtained by the partnership where the borrower is one of the partners.
- Prof: Credit facility obtained by the professional body (e.g., lawyers, doctors, accountants) where the borrower is one of the partners.
Section 1: Summary of i-Risk Score Intelligence (IRISS)
Item Contained in RAMCI i-Risk Score Intelligence (IRISS)
RAMCI i-Risk Score Intelligence (IRISS) encompasses crucial components essential for assessing creditworthiness, including:
- i-Score (Credit i-score)
- Credit Score
Note: The i-SCORE serves as a comprehensive credit score, providing a numeric representation of an individual’s or corporation’s creditworthiness based on the information available in the credit files at the time of scoring. It offers valuable insights but does not solely determine credit decisions for credit grantors.
Risk Grade
Evaluated through a risk grade segmentation, the i-score range is categorized into ten risk grades, ranging from 1 to 10. A higher risk grade, such as “10,” signifies superior creditworthiness. For non-scored individuals, the risk grade is designated as “N/A.”
Probability of Default (%)
This metric predicts the likelihood of an individual or corporation being unable to repay debts within the next 12 months. A higher percentage indicates a greater risk of default.
Key Contributing Factors (KCF)
Key contributing factors play a significant role in shaping an individual’s or corporation’s credit score. These factors highlight the primary reasons why the credit score may not be optimal, listing the top two factors that negatively impact the credit score.
Non-Scored Segment
Entities falling under the non-scored segment may include scenarios where the i-score is designated as “N/A.” Further investigation is warranted to understand the factors contributing to the absence of a credit score, ensuring a comprehensive evaluation of creditworthiness.
Web Directories
Welcome to our comprehensive web directories! Explore a world of information and resources tailored to your interests and needs. From travel adventures to financial solutions, hobbies, reviews, and more, our curated collection of links offers something for everyone. Click on the above links to start your journey towards discovering new experiences and expanding your horizons. Your next destination awaits!
- https://asiaworldtour.com: “Asia World Tour: Your Gateway to Asian and World Adventures”
- https://personalfinancingloan.com: “Personal Financing Loan: Your Path to Financial Freedom”
- https://hobbyforte.com: “HobbyForte: Discover Your Car Passion, Explore Your Interests”
- https://reviewsanything.com: “ReviewsAnything: Your Trusted Source for Honest Gadget Reviews”
- https://rumahmampumilik.com: “Rumah Mampu Milik: Your Affordable Homeownership Journey Begins Here”
- https://malaysiadigit.com: “MalaysiaDigit: Your Digital Destination for News and Insights”
- https://vipmalaysia.com: “VIP Malaysia: Elevate Your Experience in Malaysia”
- https://nordiyana.com: “Indulge in Elegance at Nordiyana: Latest Recipe and Culinary Inspirations”
- https://e-penyatagaji.com: “E-Penyata Gaji: Simplifying Payroll Management for You”
- https://googleasia.org: “Google Asia: Explore the World and Asia’s Wonders with Google Asia”
- https://malaysiafit.com: “Malaysia Fit: Your Partner in Health and Wellness”
- https://koperasi.info: “Koperasi: Building Communities, Empowering Lives”
- https://recipeinside.com: “RecipeInside: Unveiling Culinary Creations, Your Guide to Delicious Dishes”
- https://asiahealthcenter.com: “Asia Health Center: Your Source for Holistic Wellness Solutions”
- https://nationalhealthcenters.com: “National Health Centers: Your Source for Vital Health Information and Community Care”
- https://malaysiabit.com: “MalaysiaBit: Stay Informed, Stay Connected”
- https://epenyatagaji.com: “E-Penyata Gaji: Your Digital Payslip Solution”
- https://koperasi.work: “Koperasi Work: Collaborate, Innovate, Succeed”
- https://koperasi.business: “Koperasi Business: Driving Entrepreneurship, Fostering Growth
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RAMCI Credit Info Reviews
Customer Reviews about RAMCI Credit Info
Contact RAMCI Credit Info
- Tel: 03-2615 1128
- Fax: +603-2284 8808
- Experian Information Services Malaysia Sdn Bhd
17-9 & 19-9, 9th Floor, Mid Valley Megamall,
Lingkaran Syed Putra, Mid Valley City,
59200 Kuala Lumpur - Opening Hours:
8.30am-5.30pm Monday-Friday