What is eCML About

ECREDIT MANAGEMENT LIMITED (“eCML”) was established by a group of seasoned finance, legal, and former law enforcement professionals. We have used our expertise and experience to design a web-based system used for credit risk management by individuals, enterprises, financial, and legal institutions. We are able to assist users to minimize, monitor, and control the probability as well as impact of unfortunate events and maximize the realization of opportunities.

Through the eCML portal (creditcheck.com.hk / creditcheck.hk) (the “Portal”), you will have access to various information databanks. You may enhance your credit risk management system and acquire better knowledge of your business and social networks (e.g., legal liabilities, credit risk, reported incidents, etc.) through better management and control of negative events and utilization of positive events as opportunities. Here, we have a one-stop shop communication as well as credit information services through the latest FINTECH*.

With over 25 years of experience, we offer flexible attendance tailored to specific requirements of our members. The access you have to our various level databanks is determined by the type of membership you subscribe, making it a completely client-friendly and flexible service that may meet all your needs.

Major Clients in Hong Kong

Major clients include licensed commercial banks, investment banks, licensed money lenders, securities houses, manufacturers, law firms, audit and accounting firms, small & medium enterprises of various industries, etc. Reference will only be provided upon request and subject to the respective client's approval.

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Our Story

How to get started

2000

Established creditcheck.com.hk

2008

Significant Increase of Clientele

2018

Enhanced Database Structure and Search Engine

2021

Changed façade in interim website

2022

Expanded Data Research & Editing Team

2025

25th Anniversary

How Can We Help You

Our services will help you:

  • Perform internal and/or regulatory know your clients (“KYC”), anti-money laundering (“AML”), counter-terrorist financing (“CTF”) vetting processes
  • Enrich your risk portfolio with information of legal liabilities, financial stability, credit risks, and accidents, etc.
  • Obtain accurate and reliable information about your partners, associates, suppliers, and clients
  • Access information easily and quickly
  • Evaluate risks and balance the allocation of resources
  • Make timely decisions on deals, loans, leases and talent recruitment
  • Increase the confidence in estimates and decisions
  • Secure mutually advantageous business terms with all parties
  • Foster excellent rapport with all parties
  • Enhance operation efficiency and corporate governance

With a team of professionals that have the right expertise and experiences, we offer you and your company to share the benefits from the use of our resources.

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Successful Stories and Applications

Prevention of Credit Fraud

Company S approached Company A for acquiring a number of electronic items and paid the first two deliveries on COD basis for a total amount of about $150,000. After the two transactions, Company S asked Company A for a line of credit for 60 days.

Company S then placed a purchase order of $1.5 million in value. Goods were delivered to Company S, but no payment was received after 60 days. Company S moved out from their registered address and responsible persons disappeared.

After using eCML (creditcheck.com.hk / creditcheck.hk) service, Company A noted that Company S and a few of its directors appear on the creditcheck.com.hk record to have involved in previous litigations and criminal cases. Had Company A used the creditcheck.com.hk service prior to offering credit to Company S, they might not have suffered the loss.

Valuation of Contractor/Supplier

Company X engaged individual A to produce a video advertising for the company’s product. A was paid two installments for the production but failed to turn up thereafter.

Company X engaged creditcheck.com.hk service and noted that A and his father’s company were involved in previous claims by other companies.

eCML assisted Company X to locate A via offline service. Eventually A returned all the completed copies of the video clippings to Company X and agreed to refund certain amount of deposits to Company X. If Company X had engaged with the creditcheck.com.hk service in advance, they would not have wasted the time in A for their video project. Fortunately, their late engagement of eCML service has helped them to locate A and recovered most of their loss.

Prevention of Insurance Fraud

Law Firm P has always engaged with the creditcheck.com.hk service. They represented an insurance company which was claimed by K, one of the policy holders, for Personal Injury (PI). Law Firm P found that K was involved in a number of PI cases over the past few years and aroused their suspicion. Eventually, the case was referred to the Police to follow-up, identifying K as a habitual PI claimer who made dishonest claims against insurance companies.

Recruitments

HR Company H has been using the creditcheck.com.hk service as their first line screening and background check on job applicants as well as employers to ascertain whether job applicants’ background would fit into the selection criteria and the creditability of employers. Likewise, job applicants may use creditcheck.com.hk to check if the employer company and/or its directors/shareholders are genuine or have any prior history of labour tribunal cases.

Tenancy

Real Estate agents/landlords may use creditcheck.com.hk service to possibly minimize the risk of renting the unit to the potential tenant (subject person or company) notoriously evades rent payment should such tenants involved in earlier tenancy dispute cases.

Security Personnel

Recruitment and monitoring personnel engaging in security functions of an organization, residential estates and/or commercial buildings about their involvements in litigations, if any, may minimize security risks. We provide a monitoring function to assist security companies’ risk management at first level by placing their high risk personnel in a monitoring system to alert the company whether any of this group of personnel was involved in any court case from time to time.

Members/Officers of Owners Corporations and Committees

Vetting and monitoring the involvement of such members and officers about their involvement in bankruptcy/winding-up applications and related litigations and any other court cases, if any, as required under the Building Management Ordinance. Again, monitoring is important.

Personal Needs

Parents, as individuals, for example, may be able to check if the tutor concerned has involved in any criminal cases, especially involving sexual offences and indecency before engaging him/her to teach their children.

Our Service and Databank

OUR COURT LEAD DATABANK

We have information of millions records of court cases filed with the courts in Hong Kong: Court of Final Appeal, Court of Appeal of the High Court, High Courts, District Courts, Small Claims Tribunal, Lands Tribunal, Labour Tribunal, Competition Tribunal, Coroner’s Court, Obscene Articles Tribunal, Family Court, Mental Health Review Tribunal, including daily causes filed with the above courts and tribunals and Hong Kong's Magistrates' Courts. The information provided through the Court Lead Search may assist you in analyzing the background of your target subject (individual or entity) through :

  • Records of CIVIL and CRIMINAL cases revealing the nature and frequency of the past claims/charges against the subject person and/or entity.


OUR OTHER SERVICE AND DATABANK

Depending on your needs and requests, we may conduct searches on your behalf on the following databanks:

  • Land Registry Search: Land search data to check if writs have been issued to a particular address, present and previous transaction records and information of vendors and purchaser from the Land Registry and/or any other available and legitimate databanks
  • Companies Registry Search: Background company information such as registered addresses, names of directors and shareholders, share structure and value from the Companies Registry and/or any other available and legitimate databanks
  • Official Receiver's Office Search: Records of individual bankruptcy and companies winding up cases from the Official Receiver’s Office and/or any other available and legitimate databanks
  • [Coming Soon] Public Data Search: Records and transactions involving the following categories from various public and legitimate databanks:
    1. disqualified company directors;
    2. registered professionals information: medical, engineering, legal, regulated securities and financial institutes, government services and other professionals; and
    3. other information released to the public domain*

As one of the major websites in Hong Kong that provides massively comprehensive databank, creditcheck.com.hk management always ensures that the databases are promptly maintained, updated, and securely protected.

We constantly update our database with new records as well as expand into new and different information sectors. Depending on your membership grade, you may access to all graded and public records from our comprehensive and up-to-date database to assist you in important decision-making and proper risk management.

*Note
The public data searches will only be conducted upon legitimated requests from registered and approved Members/Subscribers and shall be subject to all privacy protection legislations of all local and authorities/jurisdictions recognized by the government of the Hong Kong Special Administrative Region.