These refer to the collection of information from finns with whom the has dealings and who on the basis of their experience would vouch for the applicant.
Credit Bureau Reports
Finally, specialist credit bureau reports from organizations specializing supplying credit infonnation can also be utilized. .
Analysis of Credit Information
Once the credit infonnation has been collected from different sources, it should he analysed to determine the credit worthiness of the applicant. Although there are no established procedures to analyse the information. the fine should devise one to suit need s. The analysis should cover two aspects: (j) Quantitative, and (ii) qualitative.