What is a Credit Report?
A credit report is a report that contains detailed information related to the transactions of individuals who have obtained credit facilities from credit providers in various sectors. The information is obtained and updated from credit providers in a periodical and automated manner, which reflects the credit status of individuals and companies as of the date of the update.
The function of CRIF Jordan is limited to providing credit reports to credit providers subscribing to the service and has no role in the making of credit decisions. Rather, the credit decisions are the responsibility of banks and financial institutions solely in accordance with their internal product and operational policies applicable at each facility.
Credit Report Reading Guide
(File size 1652KB, File Type PDF)
Obtaining Consumer Credit Report Through Banking Applications
Crif Jordan continuously strives to facilitate access to its services. Consumer access to credit reports is now easier than ever. Consumers can access their credit reports via bank’s mobile applications instantly without the need to visit Crif Offices. Crif Jordan worked with its partners in the banking sector to make this possible. Currently, this service is available through the following banks:
Arab Bank – Arabi Mobile
Invest Bank – iBank
Jordan Islamic Bank – Islami Mobile
Ahli Bank – Ahli Mobile
Housing Bank - Housing bank Mobile
International Islamic Arab Bank - I- MAL
Capital Bank - Capital Bank Mobile
Bank of Jordan - BOJ Mobile
Your Credit Report through banking mobile applications is Secured and private !
The request of a credit report via bank’s mobile applications is processed through safe and secure communication channels. Credit reports are encrypted when issued and delivered. Decryption code will be sent to customers through SMS messages to be able to view their reports. The issued report will be available for download as many times as needed up to 30 days after issuance date.
Request your Credit report by visiting our Offices
Procedure for requesting a consumer credit report
The credit report is requested through the physical presence at the credit bureau office and/or the authorization of another person in writing to do so.
Required documents in case of consumer direct request (without a proxy):
A valid identification document for the report requestor (any of the following):
Copy of the Civil Status ID for Jordanians
Copy of Passport for Non-Jordanians
Copy of the Military ID
Required documents in case of request (through proxy):
A valid identification document for the report requestor (any of the following):
Copy of the Civil Status ID for Jordanians
Copy of Passport for Non-Jordanians
Copy of the Military ID
Original Proxy notarized
A valid identification document for the authorized preson.
Procedure for Disputing information contained in the Credit Report
2
Fill and sign the Dispute Form.
3
Provide a copy of the ID for Jordanians or a copy of the Passport for Non-Jordanians.
4
Bank notarization of signature on the form in the event of proxy (another person is authorized to proceed with the dispute procedures)
5
Send the above documents to the e-mail address listed for individual service – (click here) .
6
Crif will communicate with the dispute submitter within two business days of receiving the dispute in order to follow up on the request.
Disputes and Complaints Guide
(File Size 202.01KB, File Type PDF)
Know Your Rights:
The Credit Information Law No. 15 for the year 2010 grants the consumer (the individual) the following rights:
1
One free credit report per year.
2
The right to dispute the credit report information in the event it contains incorrect information.
3
In the event that the credit provider denies the loan request due to negative information contained in the credit report of the consumer (the individual), it shall provide the consumer (the individual) with a copy of the credit report so that he/she can verify the accuracy of the information that the credit provider relied on when declining the loan request.
4
The Credit Bureau (CRIF Jordan) must insert a remark on the credit report of the disputing consumer (individual) showing details of the dispute and indicating its content, provided that this remark is available to any entity authorized to inquire about the consumer.
Information about the Credit Report by CRIF Jordan
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