Credit Report is a document that includes personal details, all credit facilities, bounced cheque information and payment history up to 5 years.

It also includes court-ordered financial obligations and balances and payments of monthly telecommunications, water and electricity bills are going to appear in credit reports.

The information in your Credit Report is provided by banks, finance companies, telecom/utility companies and courts.

The Credit Report is used by banks, finance companies, telecommunication companies and other institutions to analyse their customers, clients and business partners’ financial standing and detailed credit and payment history up to 5 years.

Thanks to the Credit Report these companies are able to obtain the information they need to evaluate credit or service applications, assess any related risk and ultimately decide whether to approve or reject them.