Procedure
How It Works
There are 7 steps follow to get your bills covered by us. We strongly advice you to read the information on this page carefully before attempting to submit your application.
Step 2: Submit Required Documents
You will be required to submit documents such as the bill you wish to have us covered, your ID, address, and proof of your current income.
Step 3: Verification of Documents
Before covering your bills with the utility provider, we will verify the documents you submitted and conduct background check.
Step 1: Apply for Bill Coverage
The first step is to submit a bill coverage application from the 'Apply Now' page or by contacting us via email with your request.
Step 4: Credit Worthiness Assessment
We check credit score and level of debt to your name to determine your eligibility for utility bill coverage or other services.
Step 5: Approval & Signing Agreement
Upon verification of your documents, background checks and credit worthiness assessment, we proceed to approve your application.
Step 6: Optional Membership Fee
A memberhship fee may be required prior utility bill coverage. However, it is not mandatory. Details on REPAYMENT page.
Step 7: Bill Coverage Implementation
If all conditions are met in accordance with the eligibility criteria, we will sign a repayment agreement with you and cover your bills.
Eligibility Criteria
To be eligible for bill coverage, you must meet all of the below criteria. If you do not meet one or more of these criteria, please contact us prior to submitting an application for utility bill coverage.
Income Verification
Our team also conduct baackground check on whether you're legally employed and the amount of income you receive on a monthly basis.
Identity Verification
We request for your ID, passport, driver's license or other identification documents to confirm your identity when you apply for bill coverage.
Address Verification
Your home and work addresses are verified to enable us to have an idea about where you reside and work.
Credit Scores & Credit History Check
Credit Score is a critical part of this process. It is one of our main point of reference to determine your eligibility.
We also compare how much you owe against how much you earn. Hence, it must be at or below 43% to qualify.
Debt-to-Income Ratio Check
