The Review sees benefits in the ready availability of credit checking facilities and the sharing of positive credit data of individuals through a credit reference agency.

检讨认为使用信贷资料库来提供方便的信贷查核服务，及分享个人的正面信贷资料将可带来好处。

Require the credit reference agency , on receipt of an " opt - out " request notified by the borrowers lender , to delete the terminated account information from its credit database.

规定信贷资料服务机构，收到由借款人的放款人发出的拒绝服务通知时，删除信贷资料库内有关的已结束帐户的资料。