A credit report reflects information about a credit history at the time of request.

The credit history contains information about completed and current liabilities of an individual / IE, and also reflects the execution of the terms of the credit agreement by him/her. The credit history is not a black list. It gets credits, irrespective of whether they are paid on time or with a delay.

The source of information acquisition in the credit history: credit institution (banks, MFIs) - credit information sharing participants. The data is transmitted to the Credit bureau database only with the consent of the subject of credit history (SCH).

The credit report contains:

The main panel is a summary of all the information contained in the Credit report.

Personal information - displays all the basic identification information about the subject, which may be needed by the user of the report on confirming the identity of the borrower or applicant (names, addresses, contact information, identification documents, other personal information).

Loans - detailed information on contracts in which the entity acts as a borrower or guarantor (type of loan, amount and balance of the loan, information on delinquency, etc.)

The information in the Credit bureau database is constantly updated and therefore credit reports are only valid at the time of their formation.

	The credit report (sample)

To obtain a credit report in the office of Credit bureau, an individual / IE, or a trustee acting on the basis of issued notarized power of attorney (hereinafter - Attorney), must provide relevant documents (see. Checklist) and fill out an application for the credit report. Preparing the report takes from one to three days. The credit report will be issued to an individual / IP personally or attorney only upon presentation of the original identity document (passport). 

Annually - the first credit report is to be issued free of charge.

The cost of each subsequent credit report will be 200 kgs (soms).

Customers’ service is available from Monday to Friday from 9:00 to 17: 00 p.m., lunch from 12:00 to 13: 00 p.m.