A credit report is an account of a person's credit activities. It shows a history of loans the person has taken; be it cash loans, auto-loans, or phone contracts.

Checking your credit report is the first major step in taking control of your financial situation. With detailed information about your credit as well as how lenders and creditors use it, you can increase your chances of being offered a credit facility as well as improve your credit status.

CRC Credit Bureau offers you access to your Credit Information Report (CIR) containing details about your identity and financial behaviours as well as outstanding debts. These credit reports can be made available to you as permitted by law and may eventually speed up your ability to get credit.

The Credit Information Report (CIR) is a statement of your credit transaction history and provides amongst other information:

  • Credits/Loans you have enjoyed or you are currently enjoying (if any) from any institution
  • Credit/Loans service history
  • Overall status of the credit to date

This report provides regular updates on your credit status and also assists credit/loan granting institutions make informed decision during credit/loan application processing.

 

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