Can Creditinfo help me to avoid bad business?
Yes. The information we provide will enable you to better identify people or companies who are bad credit risks. This means you will be able to avoid doing business with them - prevention is better than cure! Creditinfo cannot, however, guarantee to identify all defaulters. We can minimise bad business, not eliminate it.
Can Creditinfo help my business decide who to lend money, service or goods?
Yes. We can provide you with reliable, accurate and updated information about all individuals and companies in Malta. This information will help you assess the risk your customers present and thus make better and more informed decisions on who to lend to.
Can Creditinfo monitor my customer portfolio?
Yes. We monitor your customers, without our ever needing to know who they are. Our monitoring service will alert you by email should any new information be registered or deregistered on any of the people or companies you are tracking. Look at the Monitoring factsheet for more details.
Can I go to seminars in order to know more about how to make my procedures better?
Yes, Creditinfo Malta offers seminars and consultancy about credit management procedures and how to make the best use of the information available. Going to a training programme maximises your benefits as a user. Contact us to enquire.
Can I see what negative payment information, if any, Creditinfo Malta holds on me?
Yes you can and we will be happy to show it to you. You have the right to see whatever information Creditinfo Malta holds on you at any time, and also to be told who has looked up information about you on our systems. Please call us to arrange for your report containing
a) any negative payment information Creditinfo Malta might hold on you and
b) a list of subscribers who have looked you up in our systems.
How can I contact Creditinfo Malta?
Contact us via info@creditinfo.com.mt or on 2131-2344 during regular business hours. We will deal with your request as quickly as possible.
How can I correct inaccurate information?
If the information in the verification letter we sent is inaccurate, please call us immediately with the details, and we will amend it. In the event that you have paid an account that was outstanding, please contact the creditor, and they will confirm this with us, or fax through the relevant receipt with your details to 2131-2338.
How is my privacy protected by Creditinfo Malta?
Creditinfo places a high priority on ensuring that your data is only used for legitimate business purposes. We have a unique username and password for each person who has authority to access the information.
How long does the information remain online?
The information on outstanding accounts remains online until we receive advice that the debt has been paid. In the event of a liquidated company, the event will remain on the system, along with your current company involvements.
Is the data Creditinfo Malta holds on me available to everybody?
No. In order to access the information in Creditinfo Malta's databases a company has to become a subscriber to the services Creditinfo Malta offers. The user then must have a legitimate interest in looking up a report on a given company or individual.
Is this activity legal?
Yes, all products and services are in compliance with European Union Directive (95/46/EC) and the Malta Data Protection Act on the handling and transmitting of personal information.