Guide: How to obtain a credit data report
A credit data report consolidates information on a person's financial conduct collected by the Bank of Israel's Credit Data System. It includes loans, credit limits, mortgages, payment history, and financial events, helping identify errors and understand…
- Reading time
- 3 minutes
The credit data report consolidates information about an individual's financial conduct, as collected through the Bank of Israel's Credit Data System. The report includes information on loans, credit limits, mortgages, payment history, and various financial events, providing a broad picture of credit conduct over the years. The report can help identify errors in the information, understand one's personal credit situation, and prepare to apply for a loan, mortgageA long-term loan for purchasing a property, with the property serving as collateral for the bank., or other credit products. Everyone is entitled to receive one credit data report per year free of charge.
What should you prepare in advance?
- Your ID card (including its exact date of issue).
- Answers to changing identification questions to complete the secure identification process.
Step-by-step guide
Step 1: Accessing the Credit Data System
To begin, go to the Bank of Israel Credit Data System or search Google for "Credit Data System."
Click "Your Digital Report"
Step 2: Signing in to your personal area
Click "Sign in to your personal area"
Step 3: Secure identification through the National Digital System
Enter your ID number and password.
If you have not yet registered with the National Digital System, click "Register" on the left. Complete the verification process using the questions displayed on the screen.
Step 4: Entering the system
Step 5: Your overview
This screen provides a quick summary of your status in the Credit Data System. You can see whether there is negative information, returned checks, unpaid direct debit instructions, and use of your credit limits.
Step 6: Your overview – in brief
This is a general indicator of your credit conduct as reflected in the system. When all indicators are marked green, it means that no unusual or negative events were found in the report.
Step 7: Current account
This section displays information about your current account, such as returned checks or unpaid direct debit instructions. This information may affect how financial institutions assess your risk level.
When no returned checks or unpaid charges appear, this generally indicates proper management of the bank account and fulfillment of ongoing obligations.
Step 8: Credit cards
This screen consolidates all credit limits on your credit cards and shows the utilization level of each card. High credit-limit utilization may indicate greater reliance on available credit.
Step 9: Requests to view your information
Here you can see which financial institutions requested to view your credit data and when. These requests are generally made when applying for a loan, credit card, or another financial product.
An important final note: The credit data report is an important tool that provides you with a clear, up-to-date picture of your financial conduct. The report shows information on loans, credit limits, bank accounts, returned checks, unpaid direct debit instructions, and requests by financial institutions to view your information. It is recommended to review the report from time to time to ensure that the information in it is accurate, identify errors if necessary, and understand how your financial conduct may affect your ability to obtain loans, mortgages, and credit products on better terms in the future.