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سرايا الإخبارية
Kareef Jordan on Credit Report Formation
The article focuses on Krief Jordan, a licensed credit information company regulated by the Central Bank of Jordan. It specializes in collecting and organizing credit data for individuals and institutions. The company explains that its data sources include banks, finance companies, telecommunications providers, and merchants offering installment payment services. It clarifies that the data is used to generate credit reports that help assess the creditworthiness of individuals or entities. The article emphasizes that the report does not contain direct recommendations to approve or deny credit; rather, it provides lending institutions with an opportunity to evaluate a customer's credit behavior through indicators such as repayment punctuality and delays, which influence the chances of obtaining financing. It also discusses individuals' rights to access their data, correct any errors, and details the official procedures governing data exchange. As of August 2026, there have been approximately 1,703,000 credit inquiries, with the number of data providers increasing to 73 entities. The article indicates that the report reflects the customer's behavior and is used as an additional assessment tool for lenders, highlighting the importance of maintaining a good credit record and managing financial commitments responsibly.
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