Article (16)

No: أق/13709

Date(g): 21/8/2011 | Date(h): 22/9/1432

The credit record shall contain information relating to the consumer's credit worthiness, such as:

	1.	consumer's name as a natural person, ID number, place of residence, current and previous workplace, marital status, educational qualifications, and personal details;
	2.	consumer’s name as a legal person, commercial license or registration number, address, and any other relevant information;
	3.	information on any existing or previous credit, acknowledged or disputed, whether its repayment was immediate or deferred, defaulted or delayed, and whether the debt was cancelled or settled, as well as any guarantees given to the consumer;
	4.	any credit-related actions brought against the consumer and the judgments made;
	5.	any case of insolvency, bankruptcy or liquidation brought against the consumer and the judgments made, name of liquidator or trustee of bankruptcy, assets and debt amounts, repayment dates and liquidation expenses;
	6.	bounced checks issued by the consumer, their values and dates, and any actions taken towards these checks;
	7.	any claim made by an official authority and has not been settled yet;
	8.	number and names of members who requested a consumer credit record during the past two years preceding the issuance date of the credit record, in addition to the number of credit records issued and results reached; and
	9.	any other information relating to credit and affecting the credit worthiness of the consumer.

SAMA may change the information required to be included in the credit record as it deems appropriate.