Consumer credit report

Last updated on 10/04/2024

For population > Consumer credit report

CONS_REP 0 (short)

Last updated on 10/04/2024

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

Example

CONS_REP 1 (descriptive)

Last updated on 10/04/2024

Identification data of subject
Brief statement on credits & gauranties 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

CONS_REP 2 (extended)

Last updated on 10/04/2024

Identification data of subject
Brief statement on credits & gauranties 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

CONS_REP 3 (full)

Last updated on 10/04/2024

Identification data of subject
Brief statement on credits & gauranties 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

The consumer credit report contains 5 year information (from the inquiry date) about the payment behavior of various financial obligations of physical entities, including data on the proper fulfillment and/or delinquencies of financial obligations.

Own Credit Report

Where can the credit report requested from?

Any person (subject of credit information) can inquire his/her credit history from credit bureau by – getting a paper copy of his/her credit report from ACRA office or from Haypost nearest postoffice (representing relevant documents); or electronic version – subscribing to ACRA website and using “online Self-Inquiry” service.

What documents are necessary to apply for own credit report from ACRA office?

The following documents are necessary to get a credit report.

For individuals (Data Subject)

Application form
Data Subject’s Passport and its copy
Data Subject’s Social card and its copy (not mandatory)
In case of acting on behalf of Data Subject:
Power of attorney from Data Subject verified by the notary
Passport of authorized person and its copy
In special cases other documents required by ACRA

How long does it take to get a credit report?

Credit report is ordinarily provided instantly provided all the necessary documents are in place. In certain cases, however processing may last up to two working days.

How does ACRA guarantee the confidentiality of information?

According to the legislation of the Republic of Armenia ACRA may not publicize any information on Data Subject without the consent from the Data Subject (with an exception of special cases prescribed by the law). Member organization may request for credit report from ACRA only if it holds written consent from the Data Subject. The consent may have a form of separate document or can be included in the content of credit application or contract of bank or credit organization.

How are the errors in credit reports corrected?

If Data Subject finds errors in its credit report it should contact directly to the source of information. If the source cannot be identified from the content of credit report Data Subject may visit ACRA office to find out the source of information. The errors are corrected by the source of information.