Azerbaijan Credit Bureau

Azerbaijan Credit Bureau is Azerbaijan's national credit bureau that provides comprehensive credit information and scoring services to financial institutions. By maintaining a centralized database of borrower profiles and credit histories, ACB enables lenders to assess creditworthiness accurately. Its mission is to enhance financial transparency and support responsible lending practices in Azerbaijan.

SERVICES

• Credit Reporting for Individuals: Provides detailed credit history reports for private individuals, covering active and repaid loans, guarantees, credit score, and inquiry history over the past 12 months.
• Credit Reporting for Legal Entities & Entrepreneurs: Delivers credit reports for businesses and individual entrepreneurs, enabling lenders and partners to assess corporate creditworthiness.
• Credit Scoring — FinScore: Offers advanced credit scoring analytics to help financial institutions evaluate the risk profile of borrowers quickly and accurately.
• Risk Assessment: Provides risk evaluation tools for both potential and existing customers, helping lenders make informed lending decisions.

• Portfolio Management Solutions: Supports financial institutions in monitoring and managing their loan portfolios by tracking borrower behavior and repayment performance over time.

• Bulk Credit Reporting: Enables financial institutions to request and process large volumes of credit reports simultaneously for portfolio-wide assessments.

• FINDOC Digital Platform: A B2C self-service portal at findoc.az where individuals can register and access their own credit history, credit score, and financial data in real time, free of charge twice a year.

• Dispute Resolution: Allows credit history subjects to formally dispute and correct any errors or inaccuracies found in their credit reports.

• Data Collection & Credit History Formation: Continuously collects, stores, and processes credit data from over 200 member organizations including banks, leasing firms, insurance companies, utilities, and retailers.

• Regulatory & Compliance Reporting: Works in close partnership with government bodies including the Central Bank, Ministry of Justice, and State Tax Service to ensure data accuracy and compliance with Azerbaijan's credit bureau legislation.

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