A unifying intelligence layer over CIBIL, Experian and CRIF. We merge aliases, dedupe tradelines, reconcile DPDs and surface the dispute history — so your credit officer sees one borrower, not three reports.
Below: a real anonymised borrower. Three bureaus, fourteen tradelines, two disputes — reconciled into a single normalised view.
| # | Lender | Type | Sanction | Outstanding | DPD | Bureaus | Status |
|---|---|---|---|---|---|---|---|
| tl-01 | HDFC Bank | CC | 2,00,000 | 48,210 | 0 | C·E·R | healthy |
| tl-02 | SBI | HL | 42,00,000 | 31,11,408 | 0 | C·E·R | healthy |
| tl-03 | Bajaj Finserv | BL | 5,00,000 | 3,21,994 | 14 | C·R | watch |
| tl-09 | Q-Bank | BL | 12,00,000 | 11,98,000 | 0 | E | new · 18d |
| tl-12 | Tata Capital | PL | 3,00,000 | 0 | — | C·E·R | closed |
| tl-14 | RBL | CC | 1,50,000 | 22,118 | 0 | C·E | disputed |
Reconciles spelling variants, address mismatches and partial PAN matches across bureaus.
Same loan appearing in 2–3 bureaus is collapsed into a single canonical record.
Surfaces RBI-OBO disputes, settlement flags and DPD overrides with provenance.
Webhook on bureau refresh — new enquiry, new tradeline, DPD bump, score delta.
Enquiry stacking, balance-transfer chains, hidden write-offs detected and flagged.
Use your own bureau membership, or rent ours. Your data, your retention rules.
Pilots ship in 4 weeks against your own bureau membership.