Regulatory Disclaimer & Independence Notice

1. Not a Credit Information Company (Credit Bureau)

OneX Credit Solutions is NOT a Credit Information Company (CIC) licensed under Section 5 of the Credit Information Companies (Regulation) Act, 2005. We are NOT TransUnion CIBIL Limited, Experian Credit Information Company of India Private Limited, Equifax Credit Information Services Private Limited, or CRIF High Mark Credit Information Services Private Limited.

We do not maintain credit bureau repositories, do not assign proprietary credit scores, and do not possess administrative access to bureau servers. All credit bureau names and trademarks belong to their respective registered owners and are cited strictly for educational identification.

2. Not a Bank or Regulated Financial Institution

OneX Credit Solutions is NOT a banking company, Non-Banking Financial Company (NBFC), or money-lending institution registered under the Reserve Bank of India Act, 1934. We do not accept public deposits, do not extend consumer or commercial loans, and do not act as direct credit underwriting agents.

3. No Score or Loan Approval Guarantees

The Reserve Bank of India and credit bureau regulations strictly forbid misleading guarantees regarding credit score restoration. Under Indian law:

• Authentic historical payment delays and defaults cannot be lawfully expunged from a credit file before the expiry of statutory reporting horizons.
• Credit score calculations are governed by proprietary algorithms maintained by individual bureaus.
• Final credit approvals and interest rates are determined exclusively by the internal credit risk underwriting policies of each lending bank.

4. Statutory Right to Free Credit Reports

Under RBI Circular DBR.No.CID.BC.84/20.16.042/2016-17, every Indian citizen is entitled to receive one free full credit report per calendar year directly from each of the four licensed credit bureaus. Consumers may exercise this statutory right directly on the respective bureau websites without incurring any advisory fee.