You are looking at evidence somebody chose to show you. It is not a verdict, not a background check and not a recommendation. If a hiring, credit, housing or insurance decision rides on it, that decision may be regulated whatever Credda is.
What you have been sent
A Credda record reaches you because the person it describes created a share link and gave it to you. They can revoke it at any time, which withdraws the record and every credential issued from it. Credda did not compile it for you, did not send it to you, and was not asked about this person by you.
Credda states what the record is on every shared read, in its own words:
“A record of outcomes reported to Credda about this subject, presented by the subject under a share link they control and can revoke.”
What it is not
These four statements are shown with every record. They are Credda's wording, not a summary of it.
“Not a consumer report, and Credda is not a consumer reporting agency. This record is presented by its subject, not furnished by Credda to a third party who asked about them.”
“Not a background check. Nothing here is screened against criminal, credit, identity or public-record sources, and no such check has been performed.”
“Not a hiring, promotion, retention or employment recommendation. It says what was recorded, never what to do about it.”
“Not a claim about anything the subject has not been reported doing. A sparse record means little was reported, not that little happened.”
If a decision rides on it
Credda's own instruction to you:
“If you are considering using this record to make an employment, credit, housing or insurance decision about this person, that decision may be regulated whatever Credda is. Scope it with your own counsel; Credda supplies evidence and never a verdict.”
In practice that means Credda does not certify that you have a permissible purpose, does not support adverse-action notices, and does not run reinvestigations, because it is not a consumer reporting agency and does not furnish reports about people to the people asking about them. If your process needs those things, Credda is not the tool for that part of it. That is a conversation for your own adviser rather than for a help guide.
You cannot look somebody up
There is no directory of people and no search for a person's reliability record. There is no way to pull the record of somebody you have no relationship with, and no plan adds one. A platform with no relationship to a person is told that the person does not exist, rather than being told it is not allowed, because the difference would itself be a way of finding out who is on Credda.
Credda also never offers it to you. If you confirm something about somebody else, the only thing you are offered afterwards is a record of your own. You are never offered a way to check up on anybody. If you want to know about somebody, ask them for their link.
What you cannot see, even with the link
Who confirmed anything. You see roles and how many confirmations there were, never a name, an email address or a company domain. There is no field anywhere in a shared record that names a confirmer.
Anything the subject did not choose to present at that scope.
Where there are no independent confirmations, it says so rather than showing you zeroes.
The subject can see how many times their record was viewed, and only the count. There is no viewer list, and there cannot be one: Credda does not store anything that would let a viewer be identified or linked from one day to the next, even by Credda.
Reading it fairly
A dash is not a zero. A dash means not measured. A zero percent on-time rate would mean every job was late, which is a different statement entirely.
A thin record tells you little was reported, not that little happened. A self-employed electrician who has never asked a customer to confirm a job has an empty Credda record and a full order book.
Provisional and At Risk are next to each other and mean opposite things. Provisional is an empty record. At Risk means confirmed adverse outcomes are actually on the record. What each score band means goes through the ladder.
An adverse report filed by an employer can be contested by the person it is about. Where the record cannot separate one account from the other, Credda says so plainly and records both, and it never writes that as the employer having been right. A contest does not withdraw the underlying event, and Credda reports the effect on the portable record as unknown rather than as zero, because it does not know.
Credda does not rank anybody
A team score board is ordered alphabetically by name, on purpose. It used to be ordered by score and numbered, which is a league table of people, and a league table is a comparative verdict.
A company's record is built from outcomes the company itself delivered and a counterparty confirmed. It is never an average of its staff. No employee's personal score contributes to it.
Credda holds no consumer register, no-show list or blacklist of any kind, and industry is optional, never ranked and never evidence of anything.
A record of outcomes between two businesses is not a consumer report, and nothing in the business side of Credda changes the protections that govern reports about individuals.