ACRA (ACRA Credit Reporting CJSC)

ACRA (ACRA Credit Reporting CJSC) is the primary credit bureau in Armenia, responsible for collecting, processing, and providing credit history information for individuals and businesses. Established in 2004, it plays a critical role in Armenia’s financial ecosystem by helping lenders assess creditworthiness and risk.

ACRA gathers data from banks, microfinance institutions, insurance companies, and other financial and non-financial organizations, compiling it into comprehensive credit reports and scores. These reports enable lenders to make informed decisions about loan approvals, interest rates, and risk exposure.

SERVICES

• Credit Reports: Provides detailed credit histories of individuals and businesses to lenders.
• Credit Scoring: Generates credit scores to help assess borrower risk levels.
• Data Collection & Processing: Aggregates financial data from banks and other institutions.
• Portfolio Monitoring: Helps lenders track borrower behavior and repayment trends.
• Fraud Prevention Services: Identifies inconsistencies and risks in borrower data.
• Consumer Credit Access: Allows individuals to access their own credit reports.
• Analytics & Risk Insights: Provides data-driven insights for better lending decisions.

Countries