How the Conduct Index works
This record exists so a borrower can check how a lender behaves before borrowing. It is built to be fair, accurate and defensible — facts only, with the borrower protected and the lender given a voice.
Facts and counts — not a verdict
We never label a lender a 'fraud' or a 'scam'. The Conduct Index is a simple, transparent count of what borrowers reported: how many reports mention out-of-hours calls, contacting family, threats, and so on. The numbers shown are the numbers reported — nothing is editorialised.
Evidence-backed and moderated
A report reaches a public profile only after a person on our team reviews it. We reject anything abusive, defamatory, or containing personal identifiers. Borrowers can attach proof to their private file, so a claim can be substantiated if it is ever questioned.
Anonymous borrowers, always
A borrower is only ever shown by an auto-generated code-name (e.g. LT-7F3K). We never publish — and on the public plane never even store — a borrower's real name, phone or account number. The two data planes never join on a public page.
Numbers are masked
When a borrower reports the number that called them, we show it masked (e.g. +91 98XXXXXX21). It is enough to recognise a repeat caller or a shared call-centre, without publishing a full number.
Right of reply for every lender
Every named lender can respond, and its response is published on its profile. If you are a lender and a report is inaccurate, tell us — fairness and accuracy are the point.
Verified, one report per borrower
Reports come only from signed-in, email-verified borrowers, so a competitor cannot mass-file to damage a rival. The record reflects real borrower experience, not manufactured opinion.
What the concern levels mean
- No reports yet
- Nothing has been reported. This is not an endorsement — it simply means no record exists.
- Some reports
- A small number of evidence-backed reports exist. Read them and judge for yourself.
- Elevated concern
- A pattern is emerging — e.g. repeated out-of-hours or third-party contact across several reports.
- High concern
- Reports describe conduct that may be criminal (threats, extortion, public shaming), or threats appear in a large share of reports.
loantrap.org is a non-commercial, public-interest platform. This is general information, not legal advice, and is not an allegation of any criminal offence against any lender. If you are a lender, you have a right of reply.