international credit systems

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International Credit Systems


The principles of managing your credit still apply regardless of which country you may call home.


Canada


Credit Bureaus

• Equifax Canada: http://www.equifax.ca• TransUnion Canada: http://www.transunion.ca


Credit Report Requests

• Can be requested as frequently as desired• Request must be made in writing • Report is delivered by mail


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.


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


United Kingdom


Credit Bureaus

• Equifax: http://www.equifax.co.uk• Experian: http://www.experian.co.uk• Callcredit: http://www.callcredit.co.uk


Credit Reports

You can get a copy of your credit report once a year for a small fee.


Additional Information

• Registering to vote can boost your credit score.• Not registering to vote can lower your credit

score.


Australia


Credit Bureaus

• Veda Advantage: http://www.mycreditfile.com.au• Dun and Bradstreet: http://www.dnb.com.au• Tasmanian Collection: http://www.tascol.com.au


India


Credit Bureaus

The Credit Information Bureau (India) Limited

(CIBIL)http://www.cibil.com


It’s important to manage your debt wisely for best results!


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?


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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