The treatment of credit data during a crisis has potential impact on the integrity of the credit reporting system and ultimately the financial markets. Inadequate and untimely data reduces the reliance placed by credit providers on the credit reporting system and can lead to credit rationing, increase in the cost of credit and exclusion of borrowers. A crisis such as the COVID 19 impacts on good performing borrowers’ ability to meet their scheduled payments relegating them to the same level with existing non-performing borrowers.