Ghana Credit Judgement & Litigation Check

## Who is the source of credit check data in Ghana? DBCBL ## What is the process in Ghana? The requesting party will request the check from the ATS or their Zinc account. 1. The candidate receives automated instructions to provide some personal details and complete a form in a dynamic web form. 2. Zinc submits the request to the authorities. 3. Zinc receives the results (digitally) and provides a signed digital report. 4. The candidate receives a notification to say the process is complete. ## What details are required to submit the check? - First Name - Last Name - Birth Date - Consent - **Self Inquiry Form** - Ensure to fill the form in capitals only. - The form can be handwritten or filled out digitally. Signature can be wet-signed or digital. - In the event that the candidate does not hold a Ghana Card, the ID number of an alternative identification document may be provided, with the type of ID clearly indicated alongside it. - **Government ID Number** - The Ghana Card is the only officially approved identification document for all financial transactions conducted within the Republic of Ghana. This applies to both Citizens and Foreigners. Format: GHA-XXXXXXXXX-X Example: GHA-123456789-0 - Note: In case of absence of a Ghana Card, the below are accepted only on expectational basis (as the Ghana card is the preferred ID number for credit bureaus for accurate results). - Citizens - passport number (Ex:G12345678) or driver’s license number (2 letters (region/office code + 6–7 digits ,sometimes only digits on new smart cards). - Foreigner - Passport or Non-Citizen Ghana card (12 digits long ex:F012345678901) - Please provide valid ID Numbers only ## What is covered in the credit check? Our provider accesses institutions regulated by the Central Bank of Ghana to conduct Bad Payment History verifications in the jurisdiction. The process provides financial default information on citizens and foreigners lawfully residing in Ghana, extracted by a local partner, with the explicit consent of the individual. The process is national, and the retrieved data may include: - The individual’s current and past credit facilities (loans, mortgages, credit cards). - Outstanding balances, overdue payments, payment behaviour, guarantor roles, and dishonoured cheques. - Litigation history, inquiries made by financial institutions, employment and income history, insurance accounts, and other financial obligations. The verification does not leave a footprint on the candidate’s credit profile, and it will not affect the candidate’s creditworthiness. The verification is conducted with the highest compliance standards, in accordance with applicable laws. ## Restrictions, Exclusions, Limitations: - The credit check conducted by our provider through the Credit Bureau's system does not leave a footprint or affect the candidate's creditworthiness. However, for institutions regulated by the central bank with direct system access, every search leaves a soft footprint on the candidate's profile, detailing the institution, inquiry purpose, and requested amount, and will be mentioned in a section of the credit report. - Whenever a subject has finished paying a loan and the loan is older than 5 years and above, the bureau has the right to delete that information or those records from its database, because it is assumed that the last time the loan was paid, it has served its purpose for at least 60 months or the five year period. - The Ghana Card is the only officially approved identification document for all financial transactions conducted within the Republic of Ghana. In exceptional circumstances, where a Ghanaian individual has never been issued a Ghana Card, a valid Ghanaian Passport, or driver’s license number may be accepted as an alternative form of identification. - No other types of identification will be accepted under any circumstances. In such exceptional cases, the “Ghana Card” checkbox must not be selected in the Self Inquiry Form. The candidate shall instead write the ID number of an alternative identification document may be provided, with the type of ID clearly indicated alongside it. ## What is the period covered by the check? - Coverage by the source goes back to 2012. - Records of fully paid loans exceeding five years can be deleted (the record is retained for 5 to 7 years after the closure date, after which loan details might not be visible on the report), but unpaid loans remain on the system indefinitely. ## Is there any potential candidate footprint? The verification does not leave a footprint on the candidate’s credit profile, and it will not affect the candidate’s creditworthiness. ## What is the expected turnaround time? [Here](https://zincwork.com/turnaround-times) ## Privacy statement The details contained in this report should not be used as the sole reason for making a decision. Zinc Work Ltd is not liable for any inaccuracies or incompleteness in the information appearing in this report since it is provided to Zinc Work Ltd by third parties. This report has been produced for the purchaser of the report and Zinc Work Ltd will have no liability to loss.