krediidiregistrite
Krediidiregistrite, also known as credit registers or credit bureaus, are entities that collect and maintain financial information on individuals and businesses. This information primarily pertains to their credit history, including details about loans, credit card usage, payment timeliness, and any defaults or bankruptcies. The primary purpose of these registers is to assess the creditworthiness of an applicant seeking credit. Lenders, such as banks and other financial institutions, utilize the data provided by credit registers to make informed decisions about whether to approve a loan or credit facility and to determine the terms, such as interest rates.
In many countries, credit registers operate under specific legal frameworks that govern data collection, storage, and