A credit record is the record of all your repayments of loans which is stored in the unified Credit Information Bureau “Ishenim”, which is a common database containing credit records of all borrowers in the country. This is the first indicator that is taken into account when you work with all financial institutions. The further relationship between you and our Company, and all other credit institutions will depend on how good your credit record is. If all your loans were repaid on time and without delays, it is unlikely that you will have a negative credit record in the Credit Information Bureau and that it will affect your life in a negative way in the future.