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  • Consumer’s Rights

    • Article (43)

      With due consideration to the cases stipulated in the Law, the consumer shall have the right to know all information contained in his/her credit record. The consumer may request his/her record from any credit information company free of charge, if:

       1.the record is requested for the first time;
       2.a negative decision is made against him/her as stipulated in the Implementing Rules;
       3.the consumer is a victim of a fraudulent transaction, such as a proven manipulation of his/her personal information; and
       4.the consumer's credit record contains false information.

    • Article (44)

      The consumer has the right to:

       1.know the name and address of any party that has enquired about his/her credit record during the past 2 years; and
       2.file a complaint if his/her credit record contains false or incomplete information.

    • Article (45)

      In case the member has taken a negative decision against the consumer for a cause that is partially or entirely due to any information included in his/her credit record, they shall notify the consumer within 7 working days from the date of taking such decision with the negative information as well as the following information:

       1.causes for taking such a negative decision; and
       2.name, address and telephone number of the company from where the member obtained the credit record and a copy of it.