“ACRA Credit Reporting” CJSC, the first private credit bureau in Armenia, was founded in January 2004 and is cooperating with all banks and micro finance organizations operating in Armenia. Credit Bureaus are an essential element of the financial sector. It is defined as a data bank that keeps records of consumers’ payment patterns of various types of credit obligations. Nowadays the credit bureau is considered to be an indivisible part of financial operations in most developed countries.
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