Last updated on 23/09/2026
Steps to get credit history online
For physical persons:
You can register for your “MY ACRA” personal account in one of two ways: by scanning an identity document and completing face verification, or by using imID. Choose the option that is most convenient for you.
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, a one-time code will be sent to your email. Enter the code in the appropriate 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.
For corporate customers (Data subject)
- Click on the “For population/ 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:
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- 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.
