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What is a credit report?

What is a credit report?

Your credit report contains detailed information on your credit history, including identifying information, credit accounts and loans, bankruptcies and late payments, and recent inquiries.

Data relating to your loan payment performance is collated on your credit file and may be used by Banks and Finance companies as part of the assessment process for any new loans you may apply for, or for a review of your existing loans.


What is a credit score?

A credit score is a numerical expression based on a level analysis of a person’s credit files, to represent the creditworthiness of that person. A credit score is primarily based on credit report information typically sourced from credit bureaus.


10 Steps to improve your credit reputation

1. Pay your bills on time As far as possible, strive to pay up in full and on time.

Late or missed payments will certainly lower your credit worthiness. Therefore, be sure to check your bills to see when payments are due. Late fees and interest penalties add up quickly and make it hard to pay the balance. 
Payment history is an important factor in determining your credit worthiness. Since recent history carries more weight than what happened five years ago, getting in the habit of making on-time payments is an incredibly powerful way to improve your credit worthiness.



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Vietnam Credit Information Joint Stock Company

Address: Room 1303B, Vietcombank Tower, 198 Tran Quang Khai Street, Hoan Kiem District, Hanoi.
Phone: (+84) 24 3936 9558
Services desk: ext 1
IT: ext 2
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Fax: (+84) 24 3939 3143

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