Credit Jordan: Efforts to Include Water and Electricity Bills in Credit Report
Monitoring3 min read
Share
The Assistant General Manager and Operations Director of "Credit Jordan", Fadi Toubini, said that there are efforts to include water and electricity bill data in the credit report, similar to telecommunications bills, noting that there are technical and legal challenges and obstacles that are being worked on to overcome.
Toubini explained, in his talk to Al-Mamlaka Channel, that efforts are being made by "Credit Jordan" and the Energy Sector Regulatory Commission in this regard, in addition to communication with the Water Company and the Water Authority, with the aim of including this data as part of the utility bills.
He added: "We are trying to include this data within the credit report, and hopefully we will hear good news soon in this regard".
Toubini pointed out that the Credit Information Law includes the deferred sale of services, including telecommunications, water and electricity bills, explaining that telecommunications companies are currently among the service companies that provide "Credit Jordan" with data.
He pointed out that bills paid later to telecommunications companies are considered a type of short-term credit, as they show the credit behavior of the person and the extent of their commitment to payment.
He stressed that the inclusion of utility bills in the credit report does not necessarily mean a negative impact on the person, but their regular payment can contribute to building a good credit record, even if they do not have loans or bank obligations.
He explained that building a good credit record can help the person in the future when applying for financing from a bank or a financing company, while delay or failure to pay is an undesirable feature that may negatively affect the chances of obtaining financing.
According to Toubini, the credit report reflects the person's credit history and their commitment to payment, and shows the payment record month by month, including periods of commitment and delay.
He pointed out that the credit assessment classifies the inquirers into levels ranging from "very low risk" to "very high risk", based on a set of factors related to credit history and commitment to payment.
Toubini emphasized that "Credit Jordan" does not make the decision to approve or reject the granting of financing, but rather provides a tool that helps credit grantors assess the creditworthiness of the applicant, while the decision to grant or refuse credit remains entirely with the granting party.
He stressed that the credit report issued by the company does not include a recommendation to approve or reject financing, nor does it oblige the granting party to take a specific decision.
Toubini pointed out that the inclusion of utility bill data in credit reports is practiced, according to best practices, by a large part of credit information companies, including in the United States and Europe, where water and electricity data is part of the credit report.
"Credit Jordan", licensed by the Central Bank of Jordan, works on collecting credit information, organizing it in records, and issuing it in the form of credit reports for the parties that inquire about them.
Credit information includes commitments of all kinds, whether long or short-term, including loans, utility bills, and commercial credit.
Toubini said that the number of data providers to "Credit Jordan" increased to 73 entities during the first eight months of 2026, compared to 67 entities during the same period last year, including banks, telecommunications and microfinance companies, non-bank financing, credit cards, in addition to companies engaged in commercial credit activities.
