Credit Chex is a joint venture between the JS Group and DCD Group. Built over four decades, the JS Group is one of the largest and most diversified progressive business groups in Pakistan with interests in Financial Services, Industrial Services, Property, Resources and Transportation. DCD Group is a diversified international company with a strong foothold in Trade Finance and Factoring, Property and Investment Management and Information Technology. Backed by strong business groups with years of experience of working within the Financial Services sector, Credit Chex is best positioned to understand and meet the specific requirements of the industry players.

Our partnership with Experian, places us in an unrivalled position as we market Experian’s technical prowess and experience. Credit Chex is the only player in the market with a software engine that has a history and is a global leader in the credit information bureau industry.

Credit Chex brings cutting-edge technology to its clients for providing state-of-the-art decision making and risk management. Credit Chex offers hosted solutions which differentiates it from other technology service providers. It removes the technology overhead from client organizations and provides better value through reduced cost and efficient management of technology infrastructure. We take customer service to the next level by taking the technology implementation challenges, staffing and mounting costs away from the client organization so that they can focus on their core business.

We build strong relationships with clients and work closely with them to provide highly effective solutions. We value our customers and continuously strive to exceed customer expectations. Our team is skilled in anticipating, understanding and responding to the needs of our clients, enabling Credit Chex to become a partner of choice.

	Credit Chex provides risk management solutions with desktop access to information, which enables you and your people to make smarter business decisions with greater confidence. Information is now available at a click of a button. Our user-friendly web-based system allows users to navigate through information at ease and reach a sound business decision.
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Credit Chex has built a world-class data management infrastructure and continuously strives to exceed all client needs by investing in a highly qualified team that specializes in managing large and complex database environments. Credit Chex has the infrastructure to support its clients by extracting their data and providing value-added services through an Internet browser. The data is extracted, cleansed, integrated, formatted and loaded into specific credit bureau and risk management application systems and databases. This data is made available to client users through a secure VPN connection or host to host connectivity. Credit Chex does not own the client data, but manages it and provides world class security, audit and archive capability that is available to the client through online interfaces.

Experian has an outstanding reputation for security and confidentiality in management of data. Credit Chex will assure that data sharing between lenders is in a manner that protects the interest of both consumers and lenders. Experian, the world leader in managing consumer data, is helping Credit Chex draft the policies, controls and processes for secure access and storage of client’s data. Credit Chex has also invested in leading blade server and SAN storage technologies with full security features being deployed in their newly-built facility.

Credit Chex in partnership with Experian has the expertise to help organizations in Pakistan make fast, informed decisions to find new customers and to personalize and manage relationships with their existing customers. Experian solutions offered by Credit Chex seamlessly integrate data with scoring software, analytics and consultancy, making it uniquely qualified to offer innovative business intelligence solutions that allow organizations to manage risk and increase profitability in areas such as customer acquisition and customer management.

	Comprehensive Credit Reports are available for all Credit Bureau applications. These detailed reports can be easily customized to meet the specific requirements of our valued clients.
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