About CCB

Caribbean Credit Bureau (CCB) is a consumer credit bureau providing credit reports to participating institutions (also called the CCB Members) and, of course, to the individuals themselves. CCB adheres to a strict privacy policy and does not use personal data in any way other than for intended purposes. CCB does not sell or provide personal data to anyone else. 

In addition to providing transparency and maintaining high privacy standards, we adhere to international best practices and make efforts to maximize the benefits of CCB’s credit registration.

Every person is entitled to request a copy of your credit report to verify if the information on the report is correct. On the report you can also see which institution has accessed your credit report (this section is not visible to Members, only to individuals). All access to your credit report is tracked and listed in that section, also if CCB accesses your credit report.  CCB only accesses your report when you request a copy of your report. There is a small cost to obtain your credit report

Our Organization

CCB has a Supervisory Board Consisting of three members:

​ ​Peter van den Bosch (Chairman)
​ ​Edwin Roos
​ ​Claire Edwards

The Board of Management consists of three members:​

​ ​Niko Kluyver - CEO (for all islands)
​ ​Paul Dijkhoffz - Managing Director Sint Maarten
​ ​Jeaniro Balentien - Managing Director Bonaire

Our Services

CCB is a credit bureau that registers and shares credit related information of persons (consumers) and small business (Kleinbedrijf) responsibly. CCB works closely with the credit issuing institutions in the various jurisdictions and observes local privacy laws as well as international best practices to ensure professional and trustworthy registration and sharing of information.

CCB registers credit related information provided by participating institutions (the Members) who can only be local institutions that extent credit. CCB makes a distinction between lending credit and trade credit. Lending credit are credits issued by institutions that have issuing of credit as a main business objective. Trade credit is credit that exist as part of a transaction of delivering goods or services and is not typically a main business objective of the institution, but part of a service to customers related to the main objectives.

Consumer credits

Consumer credits are submitted by members that extend credit to consumers.

SME credits

SME credits are distributed by members that extent credit to business. (note that SME credit registration is planned to go live in 2018)

Negative-only registration

Trade credit is only registered on a negative experience basis, meaning, the credit only gets credit if the payment has become significantly overdue.

Trade credit Members only have access to credit reports showing negative registration, meaning credits that are in default, whether it be trade credit or lending credit. They are not able to share positive registration.

Positive registration

Lending credits are registered on a positive basis, meaning that they are also registered if there are no defaults; if such credits end up in default that status is are marked as well.

Positive registered credits that have not gone in default are only shared among members providing positive registration data. Trade credit members cannot retrieve reports showing credit that have not gone in default.