What Does Your Credit Report Contain?
In some countries, the credit bureau mainly only collect what is called "negative data", i.e. information on an individual's default records.  In others, the credit bureau is allowed to collect "positive data" as well, i.e. information on an individual's credit exposure, such as credit limits and outstanding amounts on credit facilities, and repayment history.

With the availability of more comprehensive information, including both negative and positive data, on a borrower's total indebtedness and credit history, financial institutions will be in a position to conduct better assessment of the creditworthiness of individual borrowers, or even introduce differential pricing on the basis of credit quality.  When financial institutions are be able to charge customers in a way that reflects differences in risk, those with good credit, who are the majority, may benefit possibly through more favorable terms for borrowing and for the use of banking services.

Typically, a credit report will contain basic identifying information such as name, identity number, address and may also include phone number, previous address and employer.  Credit history information may include previous and current types of credit, credit providers, payment habits, outstanding obligations and debts and the extent of the credit granted.

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