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International credit systems

International credit systems

finlitgal
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International credit systems

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  1. International Credit Systems www.lifethenfinance.com

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

  3. Canada www.lifethenfinance.com

  4. Credit Bureaus • Equifax Canada: http://www.equifax.ca • TransUnion Canada: http://www.transunion.ca www.lifethenfinance.com

  5. Credit Report Requests • Can be requested as frequently as desired • Request must be made in writing • Report is delivered by mail www.lifethenfinance.com

  6. 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. www.lifethenfinance.com

  7. 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 www.lifethenfinance.com

  8. United Kingdom www.lifethenfinance.com

  9. Credit Bureaus • Equifax: http://www.equifax.co.uk • Experian: http://www.experian.co.uk • Callcredit: http://www.callcredit.co.uk www.lifethenfinance.com

  10. Credit Reports You can get a copy of your credit report once a year for a small fee. www.lifethenfinance.com

  11. Additional Information • Registering to vote can boost your credit score. • Not registering to vote can lower your credit score. www.lifethenfinance.com

  12. Australia www.lifethenfinance.com

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

  14. India www.lifethenfinance.com

  15. Credit Bureaus The Credit Information Bureau (India) Limited (CIBIL) http://www.cibil.com www.lifethenfinance.com

  16. It’s important to manage your debt wisely for best results! www.lifethenfinance.com

  17. 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? www.lifethenfinance.com

  18. 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. www.lifethenfinance.com

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