---
title: Afriwise Blog | Credit bureaux
description: Credit bureaux |
---

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<https://insights.afriwise.com/blog/credit-referencing>

[Financial Services](https://insights.afriwise.com/blog/tag/financial-services) [Zambia](https://insights.afriwise.com/blog/tag/zambia) [Credit Assessment](https://insights.afriwise.com/blog/tag/credit-assessment) [Credit bureaux](https://insights.afriwise.com/blog/tag/credit-bureaux)

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## [Credit Referencing: The permutations of the Court of Appeal Decision in the case of Melissa Supermarket and Another vs. Stanbic Bank Zambia Limited \[2022\] ZMCA 17 (the “Melissa Decision”)](https://insights.afriwise.com/blog/credit-referencing)

Over the years, varied sentiment has arisen over the establishment and use of credit reference bureaus in Zambia. To one judge, credit reference bureaus represent hidden powers that would be gathering “*black information*” on individuals and busi.. 

[Read More](https://insights.afriwise.com/blog/credit-referencing)

[1](https://insights.afriwise.com/blog/tag/credit-bureaux/page/1)

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