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A credit reference bureau collects,processes and stores the details of the credit history of individuals and institutions. Lenders including Banks, Co-operatives, Micro-finance institutions and other financial service providers share credit information about their customers with Credit Data CRB Ltd. Information is also collected from non-financial institutions such Utility companies. The information we receive is used to create a Credit reports. Lenders and other credit providers then use our Credit Reports to help them decide whether to approve your application or not We do not give Lenders an opinion about whether you should get credit or not, we simply provide information about contact details and details of your credit commitments and credit history. Lenders can only obtain information from us only and if only they provide us with their customer information in line with the principle of reciprocity

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