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The Credit Reference Bureau Regulations (2020) permit Credit Reference Bureaus (CRBs) to partner with approved third-party Credit Information Providers (CIPs), allowing CRBs to source credit information from the third parties. This enhances the CRBs’ databases, therefore providing a complete and comprehensive credit history of the borrower. See the directory of third-party CIPs which CBK has granted approval to CRBs to partner with here…