As per SBP instructions, banks shall submit information of borrowers to the Credit Information Bureau of the State Bank of Pakistan and private credit bureau(s) under the Credit Bureau Act 2015 on a monthly basis.
An eCIB report reflecting overdues may have an impact on the credit history of the borrower.
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For Corporate Borrowers: The eCIB report will reflect the restructuring/rescheduling of loans for 5 years and will reflect write-offs/waivers for 10 years.
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For Consumer Borrowers: The eCIB report will reflect credit history (i.e., overdue/late payment/write-offs/waivers) for a period of 2 years after settlement.
Further details can be accessed at: https://www.sbp.org.pk/ecib/index.htm