The bank's decision to approve a loan is based on the customer's existing credit history and the creditworthiness assessment (score) generated by the bank's scoring system.

Dear customer,

Obtaining a credit report from the ACRA Credit Bureau once a year is free of charge.

You can obtain your credit report online once a year from the ACRA Credit Bureau website (www.acra.am) to review your credit behavior. If you identify any errors, contact the creditor to request corrections.