Credit reports

The delivery of real-time online Bureau reports discloses the information which characterizes how timely borrowers fulfill their obligations under credit agreements, this increases protection of creditors and borrowers through a general reduction of credit risks.

A credit report consists of the following parts:

  • Title part: current borrower identification details, changes in the borrower’s personal data.
  • Main part: detailed historical information on the borrower’s credit obligations: active and closed loans, credit types, limits and periods, outstanding balance and timely payments. Besides, this part contains court decisions on loan agreements;
  • Information part: data about credit granting, loan type, application channel, denial of loan and its purposes, debt in arrears over 120 days and etc.

The service is aimed to:

  • Verify the applicant’s details stated in the application form;
  • Analyse the borrower’s creditworthiness;
  • Assess the credit exposure, credit appetite and payment discipline.

Advantages of the service:

  • High level of data quality;
  • Getting reports online: the speed of the Bureau response is 1 second, operation time 24/7;
  • Credit reports can be obtained via the web interface or through e-mail.

Who can benefit from this service?

  • Banks;
  • Microlenders and credit cooperatives;
  • Debt collection agencies;
  • Telecom operators;
  • Insurance companies;
  • Employers and recruitment agencies.