Bureau score
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No live score factors were returned.
No live adverse listing rows were returned.
Bureau consent, data furnishing accuracy, negative-listing notice, dispute investigation, correction, cure reporting, privacy retention, live-read blocking, and board evidence custody.
| Portfolio | Bureau | Data quality | Customer controls | Status | Hash |
|---|---|---|---|---|---|
MSME Working Capital Plus credit operations / KES 4,800,000 | TransUnion Kenya / Situ loan servicing ledger | age 6/30d / ID 99.80% / recon ready | notice ready / cure ready / suppression ready / synthetic blocked yes | within | 6826c7e2384a...37c39dfc |
Boda Logbook Refinance secured lending operations / KES 3,900,000 | Metropol CRB / secured lending ledger | age 7/30d / ID 99.70% / recon ready | notice ready / cure ready / suppression ready / synthetic blocked yes | within | ce5852f4d45c...7e2ac731 |
Merchant Inventory Float merchant credit operations / KES 2,750,000 | Creditinfo Kenya / merchant float ledger | age 5/30d / ID 99.60% / recon ready | notice ready / cure ready / suppression ready / synthetic blocked yes | within | aaa1e21f011e...a91d713d |
Chama Group Credit group lending operations / KES 3,100,000 | TransUnion Kenya / group credit servicing ledger | age 8/30d / ID 99.50% / recon ready | notice ready / cure ready / suppression ready / synthetic blocked yes | within | ec3b26e68ac2...a141f0ce |
Field cash repayment book agent cash operations / KES 2,550,000 | Metropol CRB / agent cash reconciliation ledger | age 6/30d / ID 99.60% / recon ready |
| Consent journey | Controls | Status | Hash |
|---|---|---|---|
loan origination bureau pull underwriting operations | captured yes / purpose ready / named bureau ready / retention ready | within | ce1a21f1cc2e...efb98e4f |
portfolio monitoring and review credit risk operations | captured yes / purpose ready / named bureau ready / retention ready | within | d9f481cc3d58...7db17cd5 |
negative listing pre-notice collections conduct | captured yes / purpose ready / named bureau ready / retention ready | within | ae39b63b62a3...f7ef8f13 |
borrower CRB dispute and correction customer dignity operations | captured yes / purpose ready / named bureau ready / retention ready | within | c2d81e446247...c6587b11 |
| Dispute | Clock | Resolution controls | Status | Hash |
|---|---|---|---|---|
wrong balance or arrears amount credit bureau operations | 7/30d | notice ready / investigation ready / bureau update ready / response ready | within | 7b7cfea442ad...be3c5559 |
| Control | Metric | Current / limit | Status | Hash |
|---|---|---|---|---|
Bureau consent, purpose limitation, privacy notice, and retention Every bureau pull, monitoring use, listing notice, and dispute correction journey is consented, purpose-bound, privacy-noticed, retention-linked, and reproducible. | consent journeys with captured, purpose-specific, named-bureau, timestamped, withdrawal, privacy notice, retention, and evidence controls | 100.00% / 100.00% | within | a2b167b9466f...dcd26548 |
Credit bureau furnishing accuracy, completeness, and timeliness Credit information furnished to bureaus is accurate, complete, timely, reconciled to source records, and suppressed when disputed. | furnishing files with timely submission, identity match, account status, balance, arrears, notice, cure, dispute suppression, evidence, live-read, and synthetic-action controls | 100.00% / 100.00% | within | d4e6adad5128...be7c8991 |
Negative-listing pre-notice, right-to-dispute, cure, and suppression Negative information is not reported until customers receive timely notice, dispute rights, cure routes, vulnerability review, and reason evidence. | negative-listing notices with minimum notice days, pre-notice, right to dispute, cure route, vulnerable-customer review, model reason trace, and evidence | 100.00% / 100.00% | within | 65d8cbc9ac2c...c64545d5 |
Bureau dispute investigation, correction, deletion, and customer response Credit-reporting disputes are investigated, corrected or deleted where needed, updated at the bureau, and communicated to customers on time. |
| notice ready / cure ready / suppression ready / synthetic blocked yes |
| within |
| a92c1c21d6c1...26d1be4c |
identity mismatch or duplicate borrower data quality operations |
| 6/30d |
| notice ready / investigation ready / bureau update ready / response ready |
| within |
| 5504e2f4ac86...b5c10e0a |
cured account not updated loan servicing operations | 5/30d | notice ready / investigation ready / bureau update ready / response ready | within | b49a38a11859...eaec4c6b |
fraudulent or unauthorized credit account fraud operations | 9/30d | notice ready / investigation ready / bureau update ready / response ready | within | c85eb5324c62...b05ae0eb |
| bureau disputes with notice of dispute, investigation, source record trace, correction/deletion, bureau update, customer response, regulator escalation, and evidence inside due date |
| 100.00% / 100.00% |
| within |
| 198aefae0224...80bc1843 |
Cure update and positive correction reporting Cured accounts and corrected records are furnished promptly so borrowers are not harmed by stale or disputed information. | furnishing rows with cure update, dispute suppression, source reconciliation, and bureau update readiness | 100.00% / 100.00% | within | 81353603775e...461d0584 |
Adverse-action and bureau reason traceability Adverse bureau outcomes are explainable, traceable to source records or model reasons, and paired with dispute rights. | negative-listing notices with model reason trace and right-to-dispute evidence | 100.00% / 100.00% | within | 1793b3ebefd2...503e8917 |
Credit reporting privacy, records retention, and legal hold Credit reporting evidence is privacy-noticed, retention-linked, legally holdable, and exportable for audit, disputes, and supervisors. | consents and domain controls with privacy notice, retention link, and records custody coverage | 100.00% / 100.00% | within | b783128dc4c4...f5332b47 |
Live-read and synthetic-action blocking for bureau actions No bureau pull, furnish, negative-listing, dispute correction, or customer-impacting action executes from representative data. | furnishing rows using live reads and blocking synthetic bureau pull, furnish, negative-listing, correction, and dispute actions | 100.00% / 100.00% | within | 79b3b50c7aa9...3d55ea7a |
Credit bureau enterprise manifest coverage Credit bureau governance maps to privacy, records, credit lifecycle, finance, risk data, conduct, collections, remediation, board, and live-data controls. | domain controls mapped to required enterprise controls without open findings | 100.00% / 100.00% | within | b37a628263ad...3ca96a69 |
Credit bureau evidence custody Every bureau governance row carries reproducible evidence custody for customers, audit, board, credit bureaus, and supervisors. | consent, furnishing, notice, dispute, domain-control, and control rows with custody-ready hashes and ready statuses | 100.00% / 100.00% | within | f7fc90e60f14...c2929c40 |
Zero overdue bureau dispute posture Bureau disputes are investigated, corrected, updated, and responded to before the due date. | bureau disputes older than due date awaiting correction or customer response | 0 / 0 | within | 98f0b1aea6b5...f1875df4 |
| Trigger | Owner | Action | Deadline | Status |
|---|---|---|---|---|
| No credit bureau furnishing action packs are required for the current evidence set. | ||||