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.: Bureaus Credit .com - :. Is a directory with Free information to find credit bureaus, credit reports, banks and Credit information.
Credit Reports are used to investigate people and know their personal references.
A Credit bureau (U.S.),
or credit reference agency (UK) is a company that collects information from various sources and provides consumer credit information. (From Wikipedia).
Credit bureaus are also known as Credit rating agency, or consumer reporting agency (CRA). They gather information people's credit history, including of payment habits, number of credit accounts, balance of accounts. Lenders, credit card companies, banks and other financial business usually provide credit information to the bureaus in return for the ability to request credit information about other people.
Credit bureaus collects information in different ways using private method to determine credit ratings.
The credit rating is a measures that gives one estimation about the credit worthiness and ability to pay back a loan.
The credit rate can affect the interest rate applied to the loans.
Employment information as length and place of work are also used in the credit report.
Consumer reporting agencies are national, independent, and private companies,
that are regulated by the Fair Credit Reporting Act (FCRA),
the federal law which covers credit bureaus and credit reporting.
Credit Scores or Risk scores are numerical evaluation assigned by credit bureaus to easy clients interpret agencies credit reports.
For example Fair Isaac Corporation is the developer of the the FICO score, the worldwide standard for measuring a consumer's creditworthiness and credit risk. All three credit bureaus use Fair Isaac's specialized software that uses the information on your credit history to calculate your FICO score.
The transnational Credit bureaus companies works together with the credit grantors to erase any unacurate information and fix any mistake, providing updated information in the minimum time as possible to reduce complaints from consumers.
Armenia - Armenian Credit Reporting Agency
Australia - Veda Advantage Largest credit bureau in Australia and New Zealand
Australia - Veda Advantage / Data Express / Credit Reports Service
Australia - Baycorp Collection Services
Austria - KSV
Belgium - UPC-BVK
Botswana - Compuscan
Bulgaria - Experian
Canada - Equifax , TransUnion
Denmark - RKI Kredit Information A/S
Finland - Finska
Germany - Schufa
Greece - Tiresias
Cyprus - First Cyprus Credit Bureau
India - CIBIL
Ireland - Irish Credit Bureau
Italy - CTC, CRIF
Mexico - TransUnion , Equifax,
Namibia - Compuscan
Netherlands - Equifax Equifax
New Zealand - Veda Advantage
Nigeria - Credit Registry
Pakistan - CIB CIB (State Bank of Pakistan), Credit Chex (Powered by Experian UK)
Poland - InFoScore BIG
Portugal - Credinformações
Romania - Biroul de Credit
Rwanda - Compuscan
South Africa - Compuscan South African credit bureau that provides consumer and commercial credit information within South Africa and other African nations. Compuscan was selected by the Bank of Uganda to build the first-ever Ugandan Credit Reference Bureau. This system is required Ugandan financial institutions to issue smart cards to their borrowers as part of a borrower identification program.
South Korea - NICE - National Information & Credit Evaluation KIS,
Credit information group with operations in South Korea. The company is listed on the Korea Composite Stock Price Index, or KOSPI.
Spain - Credinformações
Sweden - Soliditet AB, UC
Turkey - KKB
Uganda - Compuscan
Ukraine - FCBU
United Kingdom - Experian, Equifax, Callcredit
United States - Experian Experian, TransUnion Innovis, PRBC
Consumer Data Industry Association
Armenian Credit Reporting Agency
Federal Trade Commission Governmental Page on Free Credit Reports
Federal Trade Commission Governmental Page on FCRA and consumer rights
OCC - Office of the Comptroller of the Currency
Dun and Bradstreet
Credit-Information Reporting: Why free speech is vital to social accountability and consumer opportunity
Stoozing guide to UK CRA suppliers
First Credit Information Bureau in India
Uganda - First Ugandan Credit Bureau
Pakistan - State Bank of Pakistan FAQs about Credit Bureau
Ukraine - International Credit Bureau
Georgia - National Credit Information Bureau (Georgia)
| Public Records Web Sites
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You can also use Public Records Web sites to find Links to free credit reports resources.
There are hundreds of sources for Public Records in the directory.
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| FAQ - Credit bureau
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What is a credit bureau?
Who are major credit bureaus?
How can I contact the credit bureaus?
What is a credit score?
Who uses credit scores?
What is the range of a credit score?
What can affect my credit score?
Loans inquiries, late payments in credit scores
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