International credit systems - PowerPoint PPT Presentation

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International credit systems

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Title: International credit systems


1
International Credit Systems
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2
The principles of managing your credit still
apply regardless of which country you may call
home.
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3
  • Canada

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

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5
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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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.

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7
Helpful Note
  • The Financial Consumer Agency of Canada publishes
    a booklet to help you navigate through Canadas
    credit system.
  • http//www.fcac.gc.ca

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8
  • United Kingdom

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

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

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

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12
  • Australia

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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

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14
  • India

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

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16
Its important to manage your debt wisely for
best results!
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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?

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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.

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