Armenian Credit Reporting Agency

Credit report

ACRA score

Monitoring

Statistical report

Self enquiry

SOAP

Tariffs

Other services

Consumer credit report

The consumer credit report contains information about the payment behavior of various financial obligations of physical entities, including data on the proper fulfillment and/or delinquencies of financial obligations. This information helps creditors to assess creditworthiness of their clients faster and more efficiently.

The types of consumer credit report are

CONS_REP 0 - Credit Report on physical entities and/or sole entrepreneurs that contains identification data of physical entities and/or sole entrepreneurs, information on current overdue and classified credits, on loan risk classification and the presence or absence of an overdue credit.

CONS_REP 1 - Credit Report on physical entities and/or sole entrepreneurs that contains identification data of physical entities, statistical data on credit inquiries, information on current overdue and classified credits.

CONS_REP 2 - Credit Report on physical entities and/or sole entrepreneurs that contains identification data of physical entities and/or sole entrepreneurs, statistical data on credit inquiries, as well as information on current credits.

CONS_REP 3 - Credit Report on physical entities and/or sole entrepreneurs that contains identification data of physical entities and/or sole entrepreneurs, statistical data on credit inquiries, additional data, as well as information on current and extinguished credits.

ACRA score - Credit Report on physical entities and/or sole entrepreneurs that contains identification data of physical entities and/or sole entrepreneurs and average, minimum, maximum scores.

Own Credit Report

Where can the credit report requested from?
What documents are necessary to apply for own credit report from ACRA office?
How to receive the ''Credit history'' or "Score" online during 3 minutes?
How long does it take to get a credit report? How does ACRA guarantee the confidentiality of information?
How are the errors in credit reports corrected?

Where can the credit report requested from?

Any person (individuals and organizations) may apply for its own credit and score reports

From ACRA office
Before using Online version of the credit report and score report take the own login and passward from ACRA office then enter http://www.acra.am web site
From the member organization of ACRA if the person is applying for a loan or is going to enter into other legitimate business transaction

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 to receive the ''Credit history'' or "Score" online during 3 minutes?

Compose your ''ACRA'' profile online during 2 minutes
Pay and receive ''Credit history'' or ''Score'' during 1 minute

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.

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