What is credit information?

According to Article 3 Circular 03/2013/TT-NHNN stipulated as follows:

Article 3. Explanation of terms

In this Circular, the following terms are understood as follows:

1. Credit information activities of the State Bank of Vietnam are activities of providing, processing, storing, and securing credit information data and exploiting and using credit information products and services. (hereinafter referred to as credit information activities).

2. Credit information is information about borrowers and information related to borrowers at credit institutions and foreign bank branches.

3. Identification information is information to clearly identify a borrower and distinguish it from other borrowers.

...

Accordingly, information credit understood as information about borrowers and information related to borrowers at credit institutions and foreign bank branches.