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FIS Data Reference (FDR)
About Us
FIS Data Reference Sdn Bhd (FDR) was incorporated by Financial Information Services Sdn Bhd, as a credit reporting agency to collect, compile, publish and maintain a database of credit information to provide "lead information" services to our Subscribers.
While every endeavour has been made to ensure that the information presented is accurate, FDR shall not accept liability for any errors or omissions contained therein.
Services
We maintain databases to help businesses loan profitably and minimize credit risk by allowing our subscribers to access those records through our enquiry services.
FDR has collated, accumulated and designed a credit data base system of information which, among others, includes the following items:
- Identification particulars of motor vehicles, goods and equipment which are subjects of hire purchase and leasing agreements;
- Particulars of hirers, lessees,borrowers and their guarantors;
- Problematic vehicle
The source of the database is mainly provided by our Subscribers.
FDR is not a rating agency. We do not attempt to rate, rank or give opinion on any individual or company.
Credit Enquiry
The credit information will be the core product offered by FDR to our subscribers. The credit report will be furnished to clients when the search criteria is an individual subject’s identification number or business registration number.
In this volatile economy, managing risk is essential to manage profit and loss. Our Subscribers use the credit report as a tool to identify hire purchase loan or any other loan served by the subject concerned.
For credit enquiry, Subscribers can obtain credit information based on IC number or Business Registration number enquired to check whether the person or business is a hirer or guarantor of a hire purchase loan or other loan
Double Financing Enquiry
This report is furnished to our Subscribers when the search is the vehicle registration, chassis or engine number. The purpose of the search would be to determine if the search vehicle has an existing hire purchase loan or is a problematic vehicle.
Ownership Claim Registration
This is to register the subscriber’s ownership claim interest in motor vehicles, goods or equipments which is the subject of hire purchase and leasing agreements. The ownership claim record should be submitted promptly by the Subscriber to avoid double financing of hire purchase or leasing agreements.
Ownership Claim Discharge
This is to discharge an ownership claim which was registered earlier by the Subscribers when the hirer settled the loan with the Subscriber.
