• Always make sure that you are up to date with your credit payments or have contacted your creditior to make alternative arrangement for payment.
  • Businesses subscribe to credit bureaux, which supply them with all credit account information, whether positive or negative. When you apply for new credit your application may be refused. if your credit record is negative (it could be that you have too much existing debt).
  • You are allowed to query your credit report issued by a credit bureau.– Every consumer is entitled to receive one free copy of his/her credit record per year but no information will be given telephonically, and a copy of the consumer’s ID must be provided.
  • Consumers can contact the following credit bureaux: TransUnion :   Tel 0861 482 482 or Experian Bureau: Tel 0861 105 665