عقد تبادل المعلومات الائتمانية : المفهوم و الطبيعة القانونية : دراسة مقارنة

Abstract EN

During the recent financial crisis, credit information companies arise as a critical mechanism to resolve issues especially as it deals with collecting and analyzing credit information about the consumers, who in turn, request the credit from the providers such as banks and financial institutions.

These companies, whereupon its part, conclude an agreement for exchange credit information with credit providers themselves, as a prelude to granting the credit to consumer or not.

Accordingly, the importance of exchange credit information contract reflects in terms of being characterized by several features that distinguish it from other kinds of contracts.

By comparing several laws organizing the activities of credit information companies, it is clear that the relationship between credit information company and the provider is contractual relationship linking both sides, in order to supply the credit report about consumer for a pay that determined by contract itself.

As well, this contract is framework agreement includes several practical contracts which concern with property, such as contract of selling services, also contracts that relate with work such as entrepreneurship contract.

However, exchange credit information contract characterized by its particularity in the sense that framework contracts in general are directly focus on objects and materials, while exchange credit information contract deal with financial information about people.

This leads us to say the contract has not complete features yet due to overlapping its components with each other, as well as its modernity relatively in compare with other classic contracts.