The Credit Reporting Act 2010 came into effect 1 October 2010. It establishes the framework for credit reporting in Jamaica to ensure that this is done through reasonable procedures that meet the needs of commerce for credit information in a manner that is fair and equitable to the consumer. The Act provides principles for confidentiality, accuracy, relevance and proper utilisation of credit information and, among other matters, specifically addresses:
- Licencing of persons who wish to offer credit reporting services
- Eligible credit information providers
- The nature of credit information
- Use of credit information
- Persons who can request a credit report
- Accessibility by customers to their credit information; and
- Handling of customer complaints
Licensed Credit Bureaus
Creditinfo Jamaica Limited The Towers, 9th Floor 25 Dominica Drive, Kingston 5 Tel: FLOW (876) 633 7023 Tel: DIGICEL (876) 618 3735 Fax: (876) 618 -3736 Website: www.creditinfojamaica.com Email: info@creditinfojamaica.com CRIF Information Bureau Jamaica Limited Suite 64, Winchester Business Centre 15 Hope Road, Kingston 10 Tel: FLOW (876) 906 -8680; 926 -7196 Tel: DIGICEL (876) 618 -1515; 618 -1569; 618 -1641 Fax: (876) 926 -2387 Website: www.crif.com.jm Email: customerservice.jm@crif.com Credit Information Services Limited Suite #3, 7th Floor Suites of Knutsford, Sagicor Sigma Building 63-67 Knutsford Boulevard, Kingston 5 Tel: (876) 922-5890 / 967-0730 Fax: (876) 967 1919 Website: www.credit.cisjamaica.com Email: information@cisjamaica.infoDocuments
- The Credit Reporting Regime
- The Role of the Bank of Jamaica as the Supervising Authority Under the Credit Reporting Act
- Press Release Re Licensing of Credit Information Services
Forms
- Credit Bureau Licence Application Form
- Personal Questionnaire for Credit Bureau Applicants
- Company Profile Questionnaire for Significant Shareholders of Credit Bureau
- Credit Bureaus Annual Report
- Appendices to Annual Report
- Consumer Complaint Form
Guidance
- Direction on the Operational Framework for Managing the Requirement for Consumer Written Consent
- Guide to the Licence Application Review Process
- Guidance for Credit Information Providers – Form of Notice
- Key Responsibilities of Credit Information Providers
- Explanatory Notes – Consumer Complaint Form
- Fifth Schedule Credit Reporting Act
Legislation
- Credit Reporting Act
- Credit Reporting Regulations
- Notice of Designation of Credit Information Provider (October 2012)
- Gazetted Notice of Designation as a Credit Information Provider (August 2014)
- Credit Reporting (Prescribed Amount) (Disclosures to Consumers) Order 2013
- The Credit Reporting (Authorised Disclosure) (FID) Order, 2014