Step 2 - Credit Enquiry

Requesting a New Credit Enquiry

The screenshot below illustrates the Credit Enquiry Screen. To begin the credit check and retrieve a Credit Report for the client, simply click the primary button labeled "New Enquiry."

Bureau Expenses

During the credit enquiry, the system automatically analyzes the client's credit report to calculate their total monthly credit account expenses. This total, known as the Bureau Account Expense, is then factored into the affordability assessment later in the workflow.

Active System Loans

To improve the accuracy of affordability assessments, Mobiloan displays all active loans along with their installment amounts, as shown in the screenshot below.

Users can review and modify this information as needed, ensuring that only relevant and up-to-date loan data is considered during affordability checks.


Modifying the Beureau Expenses

You can easily select specific accounts that require dispute from the Active Accounts Table and select a Cancellation Reason as shown below :

Select the account you wish to cancel
Select an appropriate cancellation reason.

You can also adjust monthly repayment values by modifying the table values directly.

Select the instalment amount

Important Notice These actions depend on the Origination Role Rights. Once a loan is fully repaid, Mobiloan automatically generates a signed Credit Report Dispute Contract. This contract is available via SMS, email, or as a downloadable PDF for a smooth dispute process.


To learn more about the two credit bureau services offered by Mobiloan, click the links below:


Mobiloan Pages: origination_compuscan; compuscan_detail

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