| January 2004 |
ACRA Credit Reporting LLC, the first credit bureau, was founded by "Cridential, Inc." USA |
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| September 2004 |
Armenian representatives of World Bank, KfW, USAID and EBRD became members of ACRA's Advisory Board |
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| November 2004 |
The group for the development of information technologies was chosen and started the works of developing computer program for ACRA |
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| February 2005 |
The leading company "Dun & Bradstreet Int." became 5% shareholder and strategic partner of ACRA |
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| July 2005 |
"Converse Bank" CJSC bought 1% participation shares of "ACRA Credit Reporting" LLC |
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| December 2005 |
ACRA reorganized and became a closed joint stock company |
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| May 2006 |
"Armeconombank" CJSC and "First Mortgage" UCO bought from "Cridential, Inc." shares of ACRA-each 1% |
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| August 2006 |
"HBM Service" CJSC, founded by the union of banks, bought from "Cridential, Inc." 50,1% of shares. "HBM Service" CJSC at that moment included 11 commercial banks |
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| September 2006 |
CBA bought 10% of ACRA shares |
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| February 2007 |
ACRA started to provide on-line credit reports to its members |
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| July 2008 |
ACRA provide services to all Armenian banks and 10 credit organizations. |
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