Every inquiry must record
- Borrower ID, institution, authorized user, purpose, application reference, timestamp, and audit ID.
- Consent evidence or other lawful authorization.
- The institution or integration that initiated the request.
Legal policy
Credit Inquiry Policy
Required inquiry fields, allowed purposes, and audit expectations for credit checks.
Plain-language public reference. Last updated June 2026. Institution contracts, regulator instructions, and applicable law may impose additional requirements.
Allowed purposes
- New loan application, loan renewal, loan restructuring, account review, collections, fraud investigation, and portfolio monitoring.
- Bulk browsing, curiosity checks, and unrelated marketing checks are prohibited.
Compliance contact
For privacy, data-subject, institutional compliance, or regulator requests, contact compliance@duruj.io.