What to do when applying for a loan

One of the main factors that are being considered when granting a loan besides the level of income is the credit history of the borrower.
You, as a potential customer of a credit granting organization, should

1. demand that the bank or other credit granting institution transfer your information to ACRA Credit Bureau,
   
2. claim that the bank or the financial institution check your credit report, so you can prove your creditworthiness.