What is Credit Information Disclosure?

1.Credit Information

Information regarding the contracts you have agreed with a CIC member credit company or other member institution, including the content of credit or loan contract, payment status and outstanding balance.

E.g.,
The company you contracted with, Your name, Date of birth, Phone number, Content of the contract, Date of signature, Contract amount, Amount invoiced, Amount paid, Outstanding balance, Repayment status, Payment status

2.Application Information

Information confirmed by a CIC member credit company or other member institution for the purpose of credit assessment, at the time when you newly submitted a credit or loan application.

E.g.,
The company you applied with, Your name, Date of birth, Phone number, Date confirmed, Planned contract amount, Description of the product you applied for.

3.Transaction Records

The record that a CIC member credit company or other member institution accessed your credit information for the purpose of examining your utilization of credit, loan or others.

E.g.,
The company which accessed, Your name, Date of birth, Phone number, Date of access, Purpose or other reason of examination.

4.Reference Information

Association Request:	Personal information registered at the request of the Japan Financial Service Association (JFSA), based on the individual’s declaration submitted to either the JFSA or the Japanese Bankers Association (Personal Credit Information Center) (JBA(PCIC)).

Individual Declaration Information:	Information about the individual himself (herself) registered with CIC, based on his (her) own statement (e.g., loss of certificate).

E.g.,
Your name, Date of birth, Phone number, Information Submitted and Comments.

5.Credit Guidance Information

Analyzed and quantified by CIC based on credit information provided by member companies.

E.g.,
Index／Basis of calculation