FirstCentral Mobile 1.2

FirstCentral Mobile is the dedicated iOS application developed by FirstCentral Credit Bureau Limited, offering users streamlined access to their credit information. The app allows users to easily check their credit scores and obtain various types of credit reports, which are delivered directly via email. Available 24/7, this service facilitates convenient management of credit profiles from the comfort of home at any time.

The FCB Nico credit score is a three-digit numerical indicator that assesses a consumer’s creditworthiness based on their credit history behavior. Financial institutions utilize this score to evaluate the likelihood of loan repayment, thereby supporting informed lending decisions.

The XScore Detailed Report provides a comprehensive analysis that extends beyond traditional credit reports by including credit scoring capabilities. This tool offers lenders deeper insights into a borrower’s financial health, enabling faster and more accurate decision-making. Using advanced analytics, XScore aggregates data from credit-active individuals to generate a reliable credit score.

The Consumer Detailed Report is an extensive document presenting an individual’s credit activities across multiple sectors of the economy. It offers a chronological account of the person’s engagement with various loans and financial services.

The Commercial Detailed Report similarly provides a thorough overview of a company's credit activities across diverse economic sectors. It documents the chronological history of the company’s loans and financial services.

The Consumer Basic Report is an essential summary that evaluates both the affordability and suitability of customers, which are critical considerations for lenders. It includes demographic information, a summary of credit accounts, and the overall credit rating.

The Commercial Basic Enquiry Report supplies fundamental business demographic details and a summary of facility performance. This report assists in monitoring overall credit exposure for a company.

The SnapCheck Report enables users to strengthen identity verification processes, expedite customer onboarding, and enhance fraud detection accuracy.

The Dishonoured Cheque Report (FirstCentral DCR) provides a detailed record of instances where cheques have been dishonoured, involving both individuals and businesses. This service offers valuable insights into cheque issuance history and patterns, aiding clients in understanding current and historical cheque transaction behaviors.

F-Alert PLUS assists individual customers in monitoring their credit scores and reporting updates through email notifications and SMS alerts. The service includes details of existing loans as well as inquiries made by other users on the customer’s profile.

The FCB Pre-Credit Check service aims to facilitate more efficient lender-borrower interactions by providing a comprehensive overview of customer scores, potential loan amounts, and applicable interest rates, thereby streamlining the lending process.