INTRODUCTION

SMART CREDIT INFORMATION SERVICES (PVT.) LIMITED has launched in the market to provide credit information to all financing institution and customers which aims to fulfil the business needs of organizations in Banking and Corporate Sectors. The Company is presently engaged in SECP related Services, International / Foreign Credit Reports, Legal Services and other Services i.e. FBR, Taxpayer Certificates, changing in business natures, recovery of ID Password and generating NTN etc.

The Company has strengthened its image and reputation as a knowledge organization that is fully equipped and backed by a team of qualified personnel who believes in continuous improvement in service quality and standard. The organization is diligent in its efforts to uphold the principles of professional practice, follows modern techniques and approaches in its strategies.

SERVICES OFFERED

Smart Credit Information Services (Pvt.) Limited offers the following services to its valued Clients:

• Legal Services (Search Certificates, Annual Returns, FBR, Financials, Annual Filing, PTM and Mutation of the property).
• Search Report
• Charge Registration
• Certified True Copies
• Company Incorporation
• Income Estimation Report
• Foreign Credit Report
• Verification Report
• Market Check Report
• Tax Services

The Company has strengthened its image and reputation as a knowledge organization that is fully equipped and backed by a team of qualified personnel who believes in continuous improvement in service quality and standard. The organization is diligent in its efforts to uphold the principles of professional practice, follows modern techniques and approaches in its strategies.

SECP RELATED SERVICES

SECP SEARCH REPORT:

Under these services the company acts as consultants and conducts search of registered & unregistered charges and facilitates banks to have exact standing or listing of company assets mortgage/charge details, whereby, the source of information is the company records being maintained at SECP. Further, in search reporting we provide details of charges in four different formats i.e. bank wise, security wise, & date wise.

CHARGE REGISTRATION:

Under these services the company acts as consultants to facilitate banks in preparation and submission of relevant documents and registration of charge with SECP. However, our services scope includes the creation of charge, modi¬fication of charge, and satisfaction/vacation of charge.

CERTIFIED TRUE COPIES:

Under these services the company acts as consultants to facilitate banks in providing Certifi¬ed True Copies of corporate documents available in the records of SECP.

COMPANY INCORPORATION:

Under these services the company acts as consultants to facilitate both banks and customers to get applied name reservation and documents preparation of the incorporation and get signed by the authorized signature for the incorporation purpose.

LOCAL CREDIT REPORTS:

LOCAL CREDIT REPORT:

Under these services the company acts as consultants to facilitate banks and ¬financial institutions in the professional assessment of credit worthiness and other associated credit & market risks of the customer / borrower (companies, fi¬rms & sole proprietors) including the credibility or behavior of the borrower related to the re-payment of present or past bank-credit fi¬nancing and the overall company / borrower business reputation in the market / industry.

MARKET CHECK REPORT:

Under these services the company collects information from customer and market and prepared after finalization process. Our market report contains about factual position, ratings, capacity.

INCOME ESTIMATION REPORT:

Under these services the company acts as consultants to facilitate banks and ¬financial institutions by conducting and preparing the professional assessment / income estimation & ¬financial appraisal of salaried and business individuals having single or multiple sources of income along with information about the applicant personal and credit characteristics, character, general reputation, and lifestyle.

THIRD PARTY VERIFICATION:

This is about verifying the prospect applicant, his behavior and ¬financial dealings in daily life. We verify in depth about the applicant from his neighbors, colleagues and people who mingle with him every days for e.g. shopkeepers etc.

Verification Process:-

• Verification of applicant address and telephone numbers
• Type of Job
• Job status
• Financial strength
• If applicant have his own business then type of business, products & Services and its dealing.
• Remarks and comments of the surveyor

FOREIGN CREDIT REPORTS:

We introduce their Customized In-depth Credit Report covering all the important aspects of corporate businesses worldwide. It is a simple but reliable source for decision making. Quick Rating, Risk Assessment & Presentation: Customized In-depth Credit Reports lay down a comprehensive risk assessment. Graphical presentations of risk assessment and risk index have made it easy to comprehend this complex issue. Customized In-depth Credit Reports are the most reliable source of information on worldwide businesses. These are directly sourced from our worldwide renowned business partners having experience of this business for years. They know the importance of credit reports very well and collect each and every information with great care and diligence.

• Our International Credit Reports includes:-
• (a) International Same day Report
• (b) International Regular Report
• (c) International In-depth Report
• (d) Premier Profile
• (e) Financial Statements
• (f) Registry Extracts & Original Documents (Samples of all reports are attached)

TAX SERVICES:

(a) Income Tax:

• 1. Applying for and obtaining National Tax Number (NTN) Certificate.
• 2. Preparation and filing of Annual Income Tax Returns, Wealth Tax Statements and Annexures.
• 3. Preparation and filing of periodic Withholding Tax Statements (WHT).
• 4. Appeal filing and Adjudication at various forums under Income Tax Ordinance, 2001.

(b) Sales Tax:

• 1. Applying for and obtaining General Sales Tax (GST) registration.
• 2. Advices and pursuing in claim for adjustment of input and output taxes, following up GST exemption(s) and GST audit.
• 3. Representation on behalf of the clients before GST assessment authorities and appellate authorities on contentious GST issues and dispute resolution.
• 4. Correspondence with the Federal Board of Revenue (FBR) for removing fiscal anomalies and obtaining Ruling on GST related issues.
• Market Check Report
• Tax Services

(c) Intellectual Property (IP) Services:

• Trademark Registration
• Brand Name Registration
• Copyright

LEGAL SERVICES:

Under these services the Company acts as outsourced consultants to facilitate banks in providing updated information in regard to the properties mortgaged or to be mortgaged against Financing Facilities. Some of our services descriptions in the subject area are mentioned below:

Search Certificate(s) from Property Registrar: To confi¬rm the ownership status of the mortgaged properties.

Permission to Mortgage: To avoid any future objection/disputes/flaws in mortgage, a No Objection Certi¬ficate from the concerned authority to mortgage in favour of any fi¬nancial institution is a necessary document.

Registration of Power of Attorney: Authority to use the exercise of ownership rights. The Company facilitates to register the same with the concerned registrar.

Lien Mark: Lien is the banker right to withhold property until the claim of the property is paid. The Lien marking is specially done on the properties located in rural areas or where properties are owned/mortgaged on the basis only Extracts of Rights (Form II/Form V II).

Registration of Title Deeds: We have expert lawyers to facilitate transfer of properties from one person to another through registered title deeds i.e. Sale deed /Conveyance deed etc.