ACRA credit bureau was founded in January 2004 in Armenia by U.S.-based Cridential Inc. ACRA is the only credit bureau operating in Armenia.

ACRA credit bureau collects and processes loan information received from financial institutions and provides credit records in the form of credit reports.

ACRA cooperates with banks, credit and other financial institution, and mobile operators. The bureau makes substantial contribution to securing the stability of financial system.

As a pillar of the financial system of the Republic of Armenia and an organization with large data archives, ACRA implements the entire life cycle of information in accordance with international requirements and standards of data security.

The purpose of ACRA is to provide partners and clients with a flexible, advanced system of credit reports, as well as reliable information and quality services to the financial system.