The Credit Report will not include information any credit information older than seven years.

To maintain or improve your credit score, pay your bills on time; incur only debt you can manage; check your accounts for errors; sort out any errors on your account; set up payment reminders; open new credit accounts responsibly; avoid maxing out credit cards; avoid closing out old credit card accounts, if possible, ...

As a duly licensed credit bureau, in Jamaica CRIF collects credit information from B.O.J approved Credit Information Providers (CIP's), such as banks, credit unions, building societies, micro finance organizations, etc.; the information is then validated and transformed into factual and usable credit reports.

What is a credit bureau? A credit bureau collects and stores your credit data from credit providers and lenders. This data includes any accounts or loans in your name, loan balances, and how responsible you are with your repayments. Action taken against you if you haven't paid your accounts is also recorded.