Consumer credit report

Last updated on 23/09/2026

For population > Consumer credit report

CONS_REP 0 (short)

Last updated on 23/09/2026

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 23/09/2026

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 23/09/2026

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 23/09/2026

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
Subsidy programs
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.

You can obtain your personal credit report online through the “MY ACRA” personal account or by visiting any HayPost CJSC branch.

Online:

You can register and verify your identity in the “MY ACRA” system in one of two ways:

Registration Using an Identity Document and Face Verification

Click the “Register” button.
Enter your email address and accept the terms and conditions.
Enter the one-time code sent to your email address.
Follow the on-screen instructions to scan your identity document and complete face verification.
After your registration request has been reviewed, you will receive an email stating whether your identity verification was approved or rejected.
If approved, follow the link in the email, create a password, and sign in to your “MY ACRA” personal account.
If rejected, you can try registering again or contact the ACRA support team.

Note: To complete verification, please use a valid identity document and ensure your device camera is enabled.

Registration via imID

This option is available to users who already have imID activated on their mobile phone number.

Click the “Register via imID” button.
Enter the mobile phone number linked to your imID and your email address.
When prompted, a numeric keypad will appear on your phone screen (be attentive). Enter the PIN code you set for imID to confirm your identity.
To verify your email address, you will receive a one-time code by email. Enter the code in the relevant field.
Once the verification is complete, open the link provided in the email and create a password.

To access your “MY ACRA” personal account in the future, simply select the “Sign in via imID” option or use your email address and password.

Via HayPost CJSC:

To receive a printed copy of your credit report, visit any HayPost CJSC branch and complete the relevant application form.

Once the application is received by the ACRA Credit Bureau, the credit report will be generated within three business days and sent to you through HayPost CJSC.

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.