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Frequently Asked Questions
What affects my getting a loan?
How do lenders know about my previous loans?
Is my lender allowed to check my credit history?
Who makes the Lending decisions?
What information do lenders send to the ICB?
Can I get a copy of my credit report?
Can ICB give me a credit report over the phone?
Processing time for application forms?
What if there is a mistake on my credit report?
Can I get bad credit details removed from my credit report?
Credit reports in respect of companies.
What is a Credit Bureau Score (CBS)?
Will I always have a CBS?
How is a CBS used?
May a CBS be of benefit to me?
Does ICB approve or decline my loan application?
Who designed the CBS systems provided by ICB?
How is a CBS calculated?
Where may I find a CBS on my Credit Report?
What is the range of possible values for each CBS?
Will a high CBS ensure a successful credit application?
Will a low CBS cause an unsuccessful credit application?
May a CBS be improved?
What is ISO 27001?
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