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Mitigata

CICRA compliance for defensible credit data.

Mitigata helps you prepare for the Credit Information Companies (Regulation) Act, 2005 by tightening credit data governance, access controls, dispute workflows, reporting evidence, and audit readiness.

800+ businesses protected25+ compliance standards supported99% audit success rate
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How Can CICRA Compliance Support Your Business?

CICRA readiness helps organisations handle credit information with stronger controls, cleaner records, clearer ownership, and better proof when regulators or customers ask difficult questions.

Protect credit information

Credit data affects lending decisions, borrower trust, and financial reputation. Mitigata helps review how credit information is collected, accessed, stored, shared, corrected, and protected.

    Reduce reporting friction

    Credit institutions, lenders, fintechs, and credit ecosystem participants need clean reporting workflows. Gordon AI helps track submissions, exceptions, evidence, and ownership instead of letting everything sit in email threads.

      Handle disputes better

      Credit data disputes can get messy fast. Mitigata helps define response steps, correction workflows, escalation paths, and evidence records so your team is not rebuilding the story from old tickets.

        The CICRA journey, minus the consent chase.

        Mitigata brings the compliance judgement. Gordon AI brings the live operating layer. Together, they help turn credit data rules into workflows your teams can actually run.

        • 01 / 06

          Map credit data flows

          We identify where credit information comes from, where it goes, who uses it, which vendors touch it, and where risk can quietly enter the flow.

        • 02 / 06

          Run the AI gap scan

          Gordon AI reviews your current policies, access practices, dispute records, data sharing workflows, reporting evidence, and control gaps against CICRA readiness needs.

        • 03 / 06

          Build the control plan

          Mitigata converts the findings into practical actions with owners, due dates, required evidence, risk notes, and escalation paths.

        • 04 / 06

          Tighten access and sharing

          We help review access rights, user roles, data-sharing approvals, vendor handling, confidentiality expectations, and evidence needed to prove responsible credit data use.

        • 05 / 06

          Organise dispute evidence

          Gordon AI tracks borrower/client requests, correction actions, investigation notes, response records, approvals, and closure proof in one place.

        • 06 / 06

          Prepare and stay ready

          Mitigata supports readiness reviews and control improvements, while Gordon AI keeps evidence, exceptions, dashboards, and owner tasks active after the first review is done.

        Why Mitigata

        CICRA before and after Gordon AI checks the credit trail.

        Instead of discovering missing proof during audit review, Gordon AI helps identify stale evidence and open gaps earlier.

        Stop scrolling. Act now.
        BEFORE AI-POWERED CICRA
        Status quo

        Credit data moves. Proof lags behind.

        • 01·Data flow fog

          Teams know credit data is moving, but not always where, why, or through whom.

        • 02·Access gets blurry

          User roles, vendor access, internal permissions, and shared data paths are not reviewed often enough.

        • 03·Disputes get messy

          Correction requests, investigation notes, responses, and closure proof live across tickets and inboxes.

        • 04·Evidence arrives late

          Audit and review records are assembled only when someone senior starts asking.

        Net

        Credit data control stays hard to prove.

        AFTER WITH GORDON AI
        One pod

        Data mapped. Owners clear. Evidence ready.

        • 01·Credit flows mapped

          Gordon AI helps track systems, reports, vendors, owners, and credit data movement.

        • 02·Access stays visible

          Roles, approvals, review dates, exceptions, and control evidence stay easier to monitor.

        • 03·Disputes are tracked

          Requests, corrections, timelines, owners, notes, and closure evidence stay organised.

        • 04·Mitigata reviews progress

          Our team helps interpret gaps, prioritise fixes, and keep the compliance programme moving.

        Outcome

        CICRA readiness becomes easier to prove.

        CICRA pairs with

        The next audits your CICRA work supports.

        Credit data compliance rarely sits alone. Mitigata helps connect CICRA readiness with privacy, security, audit, and BFSI compliance programmes where controls and evidence overlap.

        DPDPA

        Best for businesses handling digital personal data, consent obligations, breach response, data principal rights, and privacy governance.

        Know more

        ISO 27001:2022

        Useful for organisations that need a formal information security management system around access, vendors, incidents, data protection, and audit evidence.

        Know more

        RBI IS Audit

        Helpful for financial entities that need stronger information security review, technology risk controls, audit evidence, and governance readiness.

        Know more
        COMPLIANCE READINESS

        A 30-second reality check for your audit readiness.

        Pick your framework, add your team size, and tell us where your controls stand.

        SCORE IN
        ~30 sec
        NO LOGIN
        100% anonymous
        FRAMEWORKS COVERED
        20+
        CONTROLS CHECKED
        84+
        [Modelled on 8K+ compliance assessments]

        Score is indicative. Full audit plan maps controls, evidence, gaps, owners, and timelines.

        Framework
        Employees
        250
        105001,5005,000
        Current maturity
        2 / 5
        Ad-hocRepeatableDefinedManagedOptimised
        Adjacent certifications

        — controls · SOW in 24h

        FAQs

        FAQ for people tired of consent mysteries.

        • CICRA stands for the Credit Information Companies (Regulation) Act, 2005. It regulates credit information companies and credit information handling in India.
        • Credit information companies, credit institutions, lenders, NBFCs, fintech lenders, and credit ecosystem participants should assess applicability and readiness.
        • It relates to credit information such as loans, credit facilities, repayment behaviour, creditworthiness, guarantees, and other credit-related records.
        • Mitigata reviews your credit data flows, access practices, dispute workflows, reporting evidence, security controls, and readiness gaps.
        • Gordon AI tracks control owners, credit data evidence, dispute records, access reviews, policy artefacts, exceptions, and dashboards.
        • Yes. CICRA and DPDPA can overlap where credit information includes personal data, data sharing, access control, privacy, and evidence requirements.
        Book a 30-min discovery call
        Talk to Mitigata

        Credit data has a long memory. So should your evidence.

        Book a 30-minute CICRA walkthrough and we’ll review your credit data flows, consent records, access controls, and Gordon AI fit.

        Still scrolling? Your auditor won’t.
        Mean time to detectacross 800+ clients
        4.2Min
        Insurance boundtypical broker takes 6 weeks
        6Days
        Breach responsewar room to containment
        60Min
        Claims settledin last 24 months
        ₹500Cr