We provide accurate, confidential and compliant information to our members in real time.
Consumers in the Pacific region are increasingly relying on credit for the convenience of purchasing groceries, white goods, and mobile phones. Traditionally, credit is utilised for significant investments such as acquiring a home, purchasing a vehicle, or financing a holiday. The prevalence of credit cards, retail accounts, and unsecured loans has risen markedly as a result of this trend.
As a credit bureau, we provide a valuable insight into a consumer’s credit history to its members to enable them to make improved lending decisions when determining their customer’s creditworthiness.
Consumer credit information contains:
- Personal Information
- Employment Details
It may also contain:
- Adverse information such as defaults, bad debts, write-offs, dishonored cheques, legal cases etc.
- Public notices, such as mortgagee sales, bankruptcy notices, rate defaults etc. or:
- Previous inquiries with other lenders.
Confidentiality and Accuracy of Information
The Credit Bureau has a Code of Conduct that protects the consumer’s information from unauthorised access.
The information is kept in a secured environment and its users are identified and authorised by its members.
For a full set of FAQ answers – click here