Getting credit: Credit bureau coverage (% of adults) by country
The credit bureau coverage reports the number of individuals and firms listed in a credit bureau’s database as of January 1 with information on their borrowing history from the past five years, and the number of individuals and firms that have had no borrowing history in the past five years but for which a lender...
Countries reporting
120
Highest
100.0%
Argentina
Lowest
0.0%
Türkiye
Median
52.4%
Years covered
16
2004–2019
Data points
2,949
What the numbers show
Getting credit: Credit bureau coverage (% of adults) is currently reported for 120 countries. The highest value is 100.0% in Argentina; the lowest is 0.0% in Türkiye.
The median across all reporting countries is 52.4%, and the mean is 53.0%.
Over the past decade 65 countries rose and 9 fell. The largest increase was in Philippines (up 2,600.0%), and the largest decrease in Bulgaria (down 100.0%).
Getting credit: Credit bureau coverage: full country ranking
| # | Country | Latest | Year | 10-year change | Trend |
|---|---|---|---|---|---|
| 1 | Argentina | 100.0% | 2019 | unchanged | rising |
| 1 | Australia | 100.0% | 2019 | unchanged | flat |
| 1 | Canada | 100.0% | 2019 | unchanged | flat |
| 1 | Germany | 100.0% | 2019 | up 1.7% | rising |
| 1 | Dominican Republic | 100.0% | 2019 | up 116.9% | rising |
| 1 | United Kingdom of Great Britain and Northern Ireland | 100.0% | 2019 | unchanged | rising |
| 1 | Georgia | 100.0% | 2019 | up 719.7% | volatile |
| 1 | Hong Kong, China | 100.0% | 2019 | up 39.1% | rising |
| 1 | Ireland | 100.0% | 2019 | unchanged | flat |
| 1 | Iceland | 100.0% | 2019 | unchanged | flat |
| 1 | Israel | 100.0% | 2019 | up 11.4% | falling |
| 1 | Italy | 100.0% | 2019 | up 29.0% | rising |
| 1 | Japan | 100.0% | 2019 | up 31.2% | rising |
| 1 | Republic of Korea | 100.0% | 2019 | up 6.6% | rising |
| 1 | Lithuania | 100.0% | 2019 | up 443.5% | volatile |
| 1 | Mexico | 100.0% | 2019 | up 29.0% | rising |
| 1 | North Macedonia | 100.0% | 2019 | — | volatile |
| 1 | Norway | 100.0% | 2019 | unchanged | flat |
| 1 | New Zealand | 100.0% | 2019 | unchanged | flat |
| 1 | Peru | 100.0% | 2019 | up 214.5% | volatile |
| 1 | Poland | 100.0% | 2019 | up 46.4% | rising |
| 1 | Puerto Rico | 100.0% | 2019 | up 35.5% | rising |
| 1 | Russian Federation | 100.0% | 2019 | up 599.3% | volatile |
| 1 | Serbia | 100.0% | 2019 | up 6.2% | rising |
| 1 | Sweden | 100.0% | 2019 | unchanged | flat |
| 1 | Uruguay | 100.0% | 2019 | up 2.9% | rising |
| 1 | United States of America | 100.0% | 2019 | unchanged | flat |
| 1 | Taiwan, China | 100.0% | 2019 | up 58.2% | rising |
| 29 | Netherlands | 98.7% | 2019 | up 18.2% | rising |
| 30 | Hungary | 91.1% | 2019 | up 784.5% | volatile |
| 31 | Malaysia | 89.1% | 2019 | up 8.7% | volatile |
| 32 | Costa Rica | 86.0% | 2019 | up 53.6% | rising |
| 33 | Slovakia | 85.4% | 2019 | up 94.1% | rising |
| 34 | Armenia | 82.5% | 2019 | up 139.1% | volatile |
| 35 | Colombia | 82.4% | 2019 | up 36.2% | rising |
| 36 | Cyprus | 81.4% | 2019 | — | volatile |
| 37 | Brazil | 81.2% | 2019 | up 37.2% | rising |
| 38 | Czechia | 81.1% | 2019 | up 10.9% | rising |
| 39 | Trinidad and Tobago | 81.0% | 2019 | up 94.2% | rising |
| 40 | Ecuador | 79.7% | 2019 | up 73.3% | rising |
| 41 | Panama | 77.0% | 2019 | up 67.8% | rising |
| 42 | Greece | 69.9% | 2019 | up 49.0% | rising |
| 43 | South Africa | 66.5% | 2019 | up 21.6% | rising |
| 44 | Kazakhstan | 65.4% | 2019 | up 121.7% | volatile |
| 45 | Singapore | 64.2% | 2019 | up 59.3% | rising |
| 46 | India | 63.1% | 2019 | up 518.6% | volatile |
| 47 | Namibia | 62.7% | 2019 | up 8.7% | rising |
| 48 | Iran, Islamic Republic of | 60.7% | 2019 | — | volatile |
| 49 | Paraguay | 59.9% | 2019 | up 26.4% | falling |
| 50 | Ukraine | 56.9% | 2019 | up 1,796.7% | volatile |
| 51 | Saudi Arabia | 56.7% | 2019 | up 216.8% | volatile |
| 52 | Nicaragua | 56.6% | 2019 | up 99.3% | volatile |
| 53 | Thailand | 56.5% | 2019 | up 71.7% | rising |
| 54 | Bolivia, Plurinational State of | 55.0% | 2019 | up 62.2% | rising |
| 55 | Romania | 54.5% | 2019 | up 80.5% | volatile |
| 56 | Botswana | 54.4% | 2019 | up 4.8% | rising |
| 57 | Eswatini | 54.2% | 2019 | up 28.1% | rising |
| 58 | Austria | 53.5% | 2019 | up 36.5% | rising |
| 59 | El Salvador | 53.2% | 2019 | down 43.8% | falling |
| 60 | Jamaica | 52.6% | 2019 | — | volatile |
| 61 | Cambodia | 52.2% | 2019 | — | volatile |
| 62 | United Arab Emirates | 51.3% | 2019 | up 307.1% | volatile |
| 63 | Zimbabwe | 50.2% | 2019 | up 61.9% | rising |
| 64 | Honduras | 48.9% | 2019 | down 16.7% | volatile |
| 65 | Sri Lanka | 48.7% | 2019 | up 240.6% | volatile |
| 66 | Latvia | 48.1% | 2019 | — | volatile |
| 67 | Uzbekistan | 47.8% | 2019 | up 2,176.2% | volatile |
| 68 | Tajikistan | 47.6% | 2019 | — | volatile |
| 69 | Azerbaijan | 44.6% | 2019 | — | volatile |
| 70 | Chile | 44.0% | 2019 | up 29.8% | volatile |
| 71 | Bhutan | 42.5% | 2019 | — | volatile |
| 72 | Bahrain | 40.9% | 2019 | up 63.6% | rising |
| 73 | Venezuela, Bolivarian Republic of | 40.7% | 2019 | — | volatile |
| 74 | Indonesia | 40.4% | 2019 | — | volatile |
| 75 | Malawi | 40.2% | 2019 | — | volatile |
| 76 | Kyrgyzstan | 39.2% | 2019 | up 564.4% | volatile |
| 77 | Guatemala | 37.1% | 2019 | up 30.6% | volatile |
| 78 | Kenya | 36.4% | 2019 | up 1,482.6% | volatile |
| 79 | Ghana | 33.2% | 2019 | — | volatile |
| 80 | Kuwait | 31.6% | 2019 | up 3.9% | rising |
| 80 | Morocco | 31.6% | 2019 | up 125.7% | volatile |
| 82 | Egypt | 31.3% | 2019 | up 281.7% | volatile |
| 83 | Guyana | 30.9% | 2019 | — | volatile |
| 84 | Switzerland | 28.8% | 2019 | up 28.0% | rising |
| 85 | Tonga | 28.2% | 2019 | — | volatile |
| 86 | Estonia | 22.9% | 2019 | up 11.2% | rising |
| 86 | Jordan | 22.9% | 2019 | — | volatile |
| 88 | Côte d'Ivoire | 22.1% | 2019 | — | volatile |
| 89 | Finland | 22.0% | 2019 | up 49.7% | rising |
| 90 | Viet Nam | 20.6% | 2019 | — | volatile |
| 91 | Republic of Moldova | 18.2% | 2019 | — | volatile |
| 92 | Vanuatu | 17.6% | 2019 | — | volatile |
| 93 | Lesotho | 15.8% | 2019 | — | volatile |
| 93 | Rwanda | 15.8% | 2019 | — | volatile |
| 95 | Bosnia and Herzegovina | 14.0% | 2019 | down 78.2% | volatile |
| 96 | Nigeria | 13.9% | 2019 | — | volatile |
| 97 | Togo | 13.6% | 2019 | — | volatile |
| 98 | Philippines | 13.5% | 2019 | up 2,600.0% | volatile |
| 99 | Zambia | 9.1% | 2019 | up 2,175.0% | volatile |
| 100 | Senegal | 8.2% | 2019 | — | volatile |
| 101 | Portugal | 7.9% | 2019 | down 51.8% | flat |
| 102 | Spain | 7.5% | 2019 | down 1.3% | rising |
| 102 | Papua New Guinea | 7.5% | 2019 | — | volatile |
| 104 | Denmark | 7.3% | 2019 | up 40.4% | falling |
| 104 | Nepal | 7.3% | 2019 | up 2,333.3% | volatile |
| 106 | Uganda | 6.9% | 2019 | — | volatile |
| 107 | Pakistan | 6.7% | 2019 | up 346.7% | volatile |
| 108 | Niger | 6.2% | 2019 | — | volatile |
| 109 | Croatia | 6.1% | 2019 | down 92.1% | volatile |
| 109 | Tanzania, United Republic of | 6.1% | 2019 | — | volatile |
| 111 | Solomon Islands | 4.6% | 2019 | — | volatile |
| 112 | Mali | 3.5% | 2019 | — | volatile |
| 113 | Sudan | 2.3% | 2019 | — | volatile |
| 114 | Burkina Faso | 2.0% | 2019 | — | volatile |
| 115 | Benin | 1.3% | 2019 | — | volatile |
| 116 | Guinea-Bissau | 1.2% | 2019 | — | volatile |
| 117 | Bulgaria | 0.0% | 2019 | down 100.0% | volatile |
| 117 | Fiji | 0.0% | 2019 | down 100.0% | volatile |
| 117 | Slovenia | 0.0% | 2019 | — | volatile |
| 117 | Türkiye | 0.0% | 2019 | down 100.0% | volatile |
About this data
The credit bureau coverage reports the number of individuals and firms listed in a credit bureau’s database as of January 1 with information on their borrowing history from the past five years, and the number of individuals and firms that have had no borrowing history in the past five years but for which a lender requested a credit report from the bureau in the previous calendar year. The number is expressed as a percentage of the adult population.