Under the Credit Reporting Act of 2010, a credit bureau can collect the following types of information on consumers: Information about the consumers’ financial means The amount and type of loans and advances or other credit facilities granted to a consumer The type of security taken from any consumer in respect of credit facilities (including lease financing and/or hire purchase) The nature of any guarantee or other non-fund based facility accessed by a consumer History of financial transactions involving the borrower Analysis of the above information to arrive at conclusions about the consumer’s credit worthiness. This may be in the form of numerical or alphabetical scores.