Commercial credit report

Last updated on 17/01/2025

For population > Commercial credit report

COM_REP 0 (short)

Last updated on 17/01/2025

Identification data of subject
Brief statement on credits & guaranties number
Credit organization
Credit number
Credit status
Past due availability
Credit risk class
Credit info renewal date

Example

COM_REP 1 (descriptive)

Last updated on 17/01/2025

Identification data of subject
Brief statement on credits & guaranties number
Credit organization
Credit number
Credit status
Credit risk class
Credit info renewal date
Brief statement on credits due amounts
Total number of credit report inquiries (30 days / 1 year / self inquiry)
Date of credit contract
Type of credit
Date of credit past due
Actual balance
Past due percentage
Notes (concerning credit)
Guarantee amount
Inquiries on person during last 1 year

Example

COM_REP 2 (extended)

Last updated on 17/01/2025

Identification data of subject
Brief statement on credits & guaranties number
Credit organization
Credit number
Credit status
Credit risk class
Credit info renewal date
Brief statement on credits due amounts
Total number of credit report inquiries (30 days / 1 year / self inquiry)
Date of credit contract
Type of credit
Date of credit past due
Actual balance
Past due percentage
Notes (concerning credit)
Guarantee amount
Inquiries on person during last 1 year
Date of credit issue
Date of credit final repayment
Date of credit actual repayment
Credit amount by contract
Actual amount provided
Actually repaid amount
Actual balance
Number of past due days
Date of the last credit classification

Example

COM_REP 3 (full)

Last updated on 17/01/2025

Identification data of subject
Brief statement on credits & guaranties number
Credit organization
Credit number
Credit status
Credit risk class
Credit info renewal date
Brief statement on credits due amounts
Total number of credit report inquiries (30 days / 1 year / self inquiry)
Date of credit contract
Type of credit
Date of credit past due
Actual balance
Past due percentage
Notes (concerning credit)
Guarantee amount
Inquiries on person during last 1 year
Date of credit issue
Date of credit final repayment
Date of credit actual repayment
Credit amount by contract
Actual amount provided
Actually repaid amount
Actual balance
Number of past due days
Date of the last credit classification
Brief statement (on other obligations)
Average monthly income
Data on bankruptcy
Annual percentage rate
Scope of credit use
Place of credit use
Collateral subject
Collateral subject value
Notes on collateral
Number of credit terms revisions
Actual payments monthly chart
Information on affiliates
Other obligations (i.e. communal)

Example

A commercial credit report is a comprehensive document that outlines a legal entity ‘s credit history and financial behavior for over the 5 years preceding the time of the inquiry.

Steps to get Commercial credit history:

Click on the “For customers/ Commercial credit report” field in acra.am website
Download the credit report application form,
Fill in all the fields in the application, sign it and put a stamp (if available),
Send the documents mentioned below to help@acra.am email address:
- A scanned version of the completed application
- A scanned version of the certificate of registration of the state register with all tabs, or an extract from the unified state register
- A scanned version of the passport or ID card of the head of the data subject’s executive body
- In case of acting on behalf of data subject’s executive body: a scanned version of the power of attorney issued by the head of the data subject’s executive body and the scanned versions of the authorized person’s and executive’s passports
Provide a mobile phone number with Viber app capability
Once the actions above are completed, we will do the identification by a video call through “Viber” application and recording, so you can get your credit report on your email address.

How long does it take to get a credit report?

A credit report is usually provided immediately if all required documents are available. However, in some cases, processing may take up to two business days.