What is a Credit Information Company? A Credit Information Company is an independent organisation that compiles public data, statutory information, identity information, credit transactions and payment histories of individual consumers and organisations. We store information provided by various sources in the same way as it is provided to us – we do not alter or represent the data in any other way. Similarly we do not offer opinions on the data we hold or make any decisions on behalf of lenders who use our services and reports in the credit decisioning process.

We simply provide the data that is held about an individual borrower to the lender who will make their own assessment based on a range of factors, including the data we manage. Accordingly it is often the case that two lenders would make two different decisions based on the same data – as they will be applying their own individual credit policies when considering credit applications. The role of a Credit Information Company is


The International Finance Corporation (IFC), a member of the World Bank Group, acknowledges that Credit Information Companies are essential not only to individual prosperity, but also to a country's overall economic growth. Credit Information Companies provide benefits to all sectors of the credit economy