The International Bureau of Credit Histories (IBCH) helps banks and financial institutions manage credit risk and apply best practices in risk management and credit operations. The company has a fast-growing database of 20 million records, the most diversified in retail in Ukraine, containing both positive and negative data. IBCH offers the largest product line for retail risk-management in Ukraine - 20+ products that cover the whole credit circle from application to collection - including bureau score, application score, monitoring and anti-fraud solutions. The company also offers risk-management consulting services and unique analytical products such as benchmarking. IBCH's clients are all major retail banks in Ukraine. The company is part of Creditinfo Group.