Background
Credit reporting organizations collect repayment information from banks and financial institutions to produce credit reports that lenders consult when assessing consumer creditworthiness. Credit Bureau Cambodia records both positive credit information (good repayment history) and negative credit information (late repayment history) in consumer credit reports.
Positive credit information is retained on an individual’s credit report for up to 10 years, while negative credit information is retained for three years after a loan has been fully repaid to banks and financial institutions. Retention horizons determine how long historic repayment events remain available in the bureau’s database for use in credit checks and risk assessment.
Institutional Role
Credit Bureau Cambodia operates as a central repository for lender-supplied repayment data, consolidating records across multiple banks and nonbank financial institutions. The bureau’s retention rules establish a common timeframe for how long different repayment outcomes remain accessible to authorized users of credit reports.
Operational Implications
For consumers, the differing retention periods mean that favourable repayment histories can remain visible for a decade while late-payment records will typically expire three years after full settlement. For lenders and credit decision systems, the bureau’s retention settings influence the historical window of borrower behaviour visible during automated or manual underwriting.
Compliance Implications
Data retention periods are an operational parameter that affects record-keeping and dispute timelines for both reporting institutions and consumers. Entities supplying data to the bureau should align their reporting and reconciliation processes with the bureau’s retention schedule to ensure consistent records over time.
