Credit Information & Reporting Award

Evaluation

100% automatic, from the data and evidence you submit

Minimum score to win

70 / 100

Measurement period

The last full financial year before nominations open (2025), compared with 2024 for growth measures

Who can apply

• A licensed credit bureau or a public credit registry at the central bank or competent authority
• Providing credit reports to lenders for at least three years
• Consumers can access and dispute their own report as the law provides
• No final material regulatory or judicial sanction against the nominee during the measurement period

Indicators and weights

1. Adult population coverage

   Individuals with an active record in the last five years as a share of the country's adult population, using the latest official data

   20%
   Show points and evidenceHide

   Points

   • 70 – < 100 % 100
   • 45 – < 70 % 80
   • 20 – < 45 % 50
   • 0 – < 20 % 20

   Evidence

   Database report of individuals covered and official population data

2. Firm coverage

   Firms with an active record as a share of active firms in the commercial register

   10%
   Show points and evidenceHide

   Points

   • 60 – < 100 % 100
   • 35 – < 60 % 80
   • 15 – < 35 % 50
   • 0 – < 15 % 20

   Evidence

   Database report and commercial register statistics

3. Non-bank data source types

   Number of non-bank data provider types submitting regular data (finance companies, microfinance, telecoms, utilities, retailers, leasing, insurers)

   15%
   Show points and evidenceHide

   Points

   • ≥ 5 100
   • 3 – < 5 80
   • 1 – < 3 50
   • 0 – < 1 10

   Evidence

   List of data providers by type with data-sharing agreements

4. Dispute resolution time

   Average working days to close consumer disputes about their data in 2025

   15%
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   Points

   • ≥ 30 days 15
   • 15 – < 30 days 45
   • 5 – < 15 days 75
   • 0 – < 5 days 100

   Evidence

   Dispute system report with receipt and closure dates

5. Record error rate

   Share of records found to contain a material error (balance, repayment status or borrower identity) in a random sample of at least 1,000 active records that the external or internal auditor or the regulator matched against data providers' source data during 2025

   15%
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   Points

   • 3 – < 100 % 15
   • 1 – < 3 % 45
   • 0.5 – < 1 % 75
   • 0 – < 0.5 % 100

   Evidence

   Data quality review report showing how the sample was drawn, its size and the matching results

6. Data freshness

   Share of active records updated within 30 days of the reference month-end, at end-2025

   15%
   Show points and evidenceHide

   Points

   • 95 – < 100 % 100
   • 80 – < 95 % 80
   • 60 – < 80 % 50
   • 0 – < 60 % 20

   Evidence

   Report of data submission timings from providers

7. Depth of credit information

   How many of the eight features of the depth of credit information index used in the World Bank Doing Business reports are present: data on individuals and firms, positive and negative data, retailer or utility data, at least two years of history, loans below 1% of income per capita, borrowers' right of access, online access for lenders, credit scores

   10%
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   Points

   • All eight features100
   • Seven features75
   • Five or six features45
   • Four features or fewer15

   Evidence

   Mapping table for the eight features with supporting documents

Each indicator gives 0 to 100 points; its share of the total is its weight. Ties are decided by the indicators listed first in the scorecard; payment or package never affects the score.

1. Done

   Nominations open

   26 October 2026 · 13:10

2. Upcoming

   Nominations close

   27 November 2026 · 01:10

3. Upcoming

   Judging starts

   27 November 2026 · 01:11

4. Upcoming

   Judging ends

   4 December 2026 · 13:00

5. Upcoming

   Results announced

   4 December 2026 · 13:10

Times are in Asia/Riyadh (UTC+03:00).