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Credit Report Sample
Creditinfo's credit report reflects your credit activity over the years. It consists of all types of current or closed loans, where you are main borrower, co-borrower or guarantor. Understand your credit report will help you in dealing with financial institutions, as these organizations check this report when you make a loan application.

This is Sample Credit Report
Identification Data

First name
George
Surname
Giorgadze
National ID
00000000000
Gender
Male
 
Marital status
Married
Date of birth
04/08/1977
Borrowers Classification
Borrower classification
Date of last update
08/09/1917
Personal data is provided by credit organization in Creditinfo. This information later is shown in your report and is available to other credit organizations after inquiring your information, so correctness of this information is very important.

Creditinfo Credit Score Information

CIP Score
350
Risk grade
A
Probability of default
0.24

Factors effecting your score
Reason codes
1 Minor delinquencies during last 6 month
2 Too many small loans during last 3 month
Your credit score is calculated based on your credit history. Credit Score evaluates the probability of acomplishing liabilities and risk of delinquency. Credit score is expressed in numbers and ranges from 0 - to 400 points. There are 11 credit ratings, so called risk grades:
Each risk grade is accompanied by probability of default, which reflects risk that the loan will be delayed over 90 dates during the next 12 months. Reason Codes, same as Factors effecting your score reflects the main reasons of your score deterioration / decrease.
Inquiries conducted on your credit history

During last 1 month
2
During last 6 months
8

During last 3 months
9
During last 12 months
17

  During last
1 month
During last
3 month
During last
6 month
During last
12 month
Subscriber types No. of Sub-scribers No. of in-quiries No. of Sub-scribers No. of in-quiries No. of Sub-scribers No. of in-quiries No. of Sub-scribers No. of in-quiries
Bank 1 3 3 4 8 8 10 11
Internet Lender 1 2 1 3 2 4 2 5
MFI 0 0 1 1 1 3 2 4
New record in this section of the report appears when a credit institution inquiries your information in the Creditinfo database. Inquiries are grouped by date and creditor types, which conducted inquiry. Each inquiry remains in your credit report during the next 12 months. Using MyCreditinfo Premium Service you can recieve credit alerts when anyone inquiries your credit history in Creditinfo database.

Important Information:
Name of the credit organization is shared only with you using MyCreditinfo Premium Service. Other organizations can not see who inquiried your credit history.
Summary Information of your contracts

Loan type Number of loans Initial amount Outstanding amount (in GEL) Number of overdue loans Total overdue days
(Total)
Current overdue days (total) Current overdue amount (total GEL)
Consumer Loan 2 1000 GEL 954 GEL 1 38 38 48 GEL
Mortgage Loan 1 500 GEL 0 GEL 0 0 0 0 GEL
Credit Card 1 1000 GEL 400 GEL 0 0 0 0 GEL
Existing positive contracts

Loan type Initial amount Balance Overdue days Overdue amount Penalty accrued Additional information
Consumer Loan 1000 GEL 400 GEL 0 0 0 -
Existing Negative Contracts

Loan Type Initial amount Balance Overdue days Overdue amount Penalty accrued Additional information
Consumer Loan 1000 GEL 954 GEL 38 48 GEL 23 GEL Existing overdue
Closed Positive Contracts

Loan Type Initial amount Balance Overdue days Overdue amount Penalty accrued Additional information
Consumer Loan 1000 GEL 0 0 0 0 -
Closed Negative Contracts

Loan Type Initial amount Balance Overdue days Overdue amount Penalty accrued Additional information
Consumer Loan 1000 GEL 0 0 0 145 GEL Closed overdue
In this section you can see all summary information of all your loans. You can see your total debt and information about delinquencies.
Existing Installment Contract
General Information
Phase:
Existing
Currency of credit:
GEL
Type of instalments:
Fixed
Creditor:
Name of the Bank
Loan Type:
Mortgage Loan
Periodicity of payments:
Monthly Instalments - 30 days
Type of repayment:
Installment loan
Creditor Type:
Bank
Information about related parties
Subject Code:
00000000000
Subject Name:
George Giorgadze
Role of Subject:
Main Debtor, Main applicant
Subject Code:
11111111111
Subject Name:
Lia Giorgadze
Role of Subject:
Co-Debtor, Co-applicant
Loan Details
Loan Initial Amount:
1000 GEL
Total number of installments:
10
Standard periodical installment:
100 GEL
Overdue Installment:
0
Balance:
500 GEL
Outstanding installments:
5
Overdue Amount:
0 GEL
Penalty Accrued:
20 GEL
Penalty Paid:
20 GEL
Dates
Loan Start Date:
01/01/2017
Loan Maturity Date: 01/01/2018 Date of Last Update: 17/02/2017
Collaterals
Type of Guarantee:
Real Estate
Value of Guarantee:
8000 GEL
Payment History
Date: Total Amount of Credit: Overdue Installment Count: Overdue Amount: Outstanding amount: Penalty Accrued: Penalty Paid:
June 2017 1000 GEL 1 100 GEL 900 GEL 10 GEL 10 GEL
July 2017 1000 GEL 0 0 800 GEL 0 0
August 2017 1000 GEL 1 100 GEL 700 GEL 10 GEL 10 GEL
September 2017 1000 GEL 0 0 600 GEL 0 0
October 2017 1000 GEL 0 0 500 GEL 0 0


Closed Installment Contract
General Information
Phase:
Closed
Currency of credit:
GEL
Type of instalments:
Fixed
Creditor:
Name of the Bank
Loan Type:
Mortgage Loan
Periodicity of payments:
Monthly Instalments - 30 days
Type of repayment:
Installment loan
Creditor Type:
Bank
Information about related parties
Subject Code:
00000000000
Subject Name:
George Giorgadze
Role of Subject:
Main Debtor, Main applicant
Subject Code:
11111111111
Subject Name:
Lia Giorgadze
Role of Subject:
Co-Debtor, Co-applicant
Loan Details
Initial amount:
1000 GEL
Total number of installments:
10
Standard periodical installment:
100 GEL
Overdue Installment:
0
Balance:
0 GEL
Outstanding installments:
5
Overdue Amount:
0 GEL
Penalty Accrued:
20 GEL
Penalty Paid:
20 GEL
Dates
Loan Start Date:
01/01/2017
Loan Maturity Date:
01/01/2018
Date of Last Update:
01/01/2018
Collaterals
Type of Guarantee:
Real Estate
Value of Guarantee:
8000 GEL
Payment History
Date: Total Amount of Credit: Overdue Installment Count: Overdue Amount: Outstanding amount: Penalty Accrued: Penalty Paid:
June 2017 1000 GEL 1 100 GEL 900 GEL 10 GEL 10 GEL
July 2017 1000 GEL 0 0 800 GEL 0 0
August 2017 1000 GEL 1 100 GEL 700 GEL 10 GEL 10 GEL
September 2017 1000 GEL 0 0 600 GEL 0 0
October 2017 1000 GEL 0 0 500 GEL 0 0

Credit Card and Revolving Loans
General Information
Phase:
Existing
Currency of credit:
GEL
Creditor Type:
Bank
Loan Type:
Credit Card
Creditor:
Name of the Bank
Credit Purpose:
other
Information about related parties
Subject Code:
00000000000
Subject Name:
George Giorgadze
Role of Subject:
Main Debtor, Main applicant
Loan Details
Initial amount:
1000 GEL
Overdue Amount:
0 GEL
Penalty Paid:
10 GEL
Balance:
770 GEL
Penalty Accrued:
10 GEL
Dates
Loan Start Date:
01/01/2017
Loan Maturity Date:
01/01/2018
Date of Last Update:
17/02/2017
Payment History
Date: Total Amount of Credit: Overdue Installment Count: Overdue Amount: Outstanding amount: Penalty Accrued: Penalty Paid:
June 2017 1000 GEL 1 100 GEL 1000 GEL 0 0
July 2017 1000 GEL 0 0 0 0 0
August 2017 1000 GEL 1 100 GEL 100 GEL 10 GEL 10 GEL
September 2017 1000 GEL 1 0 400 GEL 0 0
October 2017 1000 GEL 1 0 770 GEL 0 0
Overdue Contract
General Information
Phase:
Existing
Currency of credit:
GEL
Type of instalments:
Fixed
Creditor:
Name of the Bank
Loan Type:
Mortgage Loan
Periodicity of payments:
Monthly Instalments - 30 days
Type of repayment:
Installment loan
Creditor Type:
Bank
Information about related parties
Subject Code:
00000000000
Subject Name:
George Giorgadze
Role of Subject:
Main Debtor, Main applicant
Subject Code:
11111111111
Subject Name:
Lia Giorgadze
Role of Subject:
Co-Debtor, Co-applicant
Loan Details
Initial amount:
1000 GEL
Total number of installments:
10
Standard periodical installment:
100 GEL
Overdue Installment:
220 GEL
Balance:
500 GEL
Outstanding installments:
2
Overdue Amount:
0 GEL
Penalty Accrued:
78 GEL
Penalty Paid:
20 GEL
Dates
Loan Start Date:
01/01/2017
Loan Maturity Date:
01/01/2018
Date of Last Update:
17/02/2017
All additional information
All additional information:
Existing overdue
Date of Registration:
17/05/2017
Days of Delinquency:
60
Overdue Start Date:
17/04/2017
Collaterals
Type of Guarantee:
Real Estate
Value of Guarantee:
8000 GEL
Payment History
Date: Total Amount of Credit: Overdue Installment Count: Overdue Amount: Outstanding amount: Penalty Accrued: Penalty Paid:
June 2017 1000 GEL 1 100 GEL 900 GEL 10 GEL 10 GEL
July 2017 1000 GEL 0 0 800 GEL 0 0
August 2017 1000 GEL 1 100 GEL 700 GEL 10 GEL 10 GEL
September 2017 1000 GEL 0 0 600 GEL 0 0
October 2017 1000 GEL 2 220 GEL 500 GEL 78 GEL 0
In your credit report all abovementioned information can be reflected. If you found any inconsistencies between the report and real data, you can request change. You can dispute the information using MyCreditinfo application.
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