International credit systems
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Transcript of International credit systems
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International Credit Systems
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The principles of managing your credit still apply regardless of which country you may call home.
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Canada
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Credit Bureaus
• Equifax Canada: http://www.equifax.ca• TransUnion Canada: http://www.transunion.ca
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Credit Report Requests
• Can be requested as frequently as desired• Request must be made in writing • Report is delivered by mail
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Time, Transactions and Events
• Most items stay on the reports for 6 years.• In some areas bankruptcies remain for 7 years unless
you file two or more times.• If you file two or more times, both remain on your credit
report for 14 years.
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Helpful Note:
The Financial Consumer Agency of Canada publishes a booklet to help you
navigate through Canada’s credit system.http://www.fcac.gc.ca
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United Kingdom
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Credit Bureaus
• Equifax: http://www.equifax.co.uk• Experian: http://www.experian.co.uk• Callcredit: http://www.callcredit.co.uk
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Credit Reports
You can get a copy of your credit report once a year for a small fee.
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Additional Information
• Registering to vote can boost your credit score.• Not registering to vote can lower your credit
score.
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Australia
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Credit Bureaus
• Veda Advantage: http://www.mycreditfile.com.au• Dun and Bradstreet: http://www.dnb.com.au• Tasmanian Collection: http://www.tascol.com.au
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India
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Credit Bureaus
The Credit Information Bureau (India) Limited
(CIBIL)http://www.cibil.com
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It’s important to manage your debt wisely for best results!
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Self-Reflection Questions:
• Do I manage my debts in such a way that I could establish good credit anywhere?
• What can I do to achieve greater success with
my credit management?
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Action Tips:
• Request your credit report, regardless of your home country, and correct any errors.
• Make a plan for becoming more creditworthy
and take action to follow your own advice.
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