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Credit referencing By Country

Here is a list of some of the major credit reference agencies by country: United States: Experian, Equifax, TransUnion United Kingdom: Experian, Equifax, TransUnion, Callcredit Canada: Equifax, TransUnion, Credit Bureau of Canada Australia: Experian, Equifax, ills India: CIBIL, Equifax, Experian, CRIF High Mark Brazil: Serasa, Boa Vista France: Experian, Equifax, ills Germany: Schufa, Creditreform, Bürgel Mexico: Buró de Crédito Italy: CRIF, Experian This list is not exhaustive, as the number and type of credit reference agencies can vary by country. Additionally, some countries may have multiple credit reference agencies operating in their markets

How Can I see My Credit File

Several companies will let you seen and consolidate your file some charge some dont. Or you can apply to the Credit referencing agencies direct. You can obtain a copy of your credit file by requesting it from one of the major credit reference agencies in your country. Here are the steps to see your credit file in some countries: United States: United Kingdom: Canada: In most countries, you are entitled to a free copy of your credit file once a year. If you need to see it more often, you may be charged a fee. Additionally, some countries may offer

APR Explained

The Annual Percentage Rate (APR) is the total cost of a loan, including the interest rate and any additional fees, expressed as a yearly rate. The APR provides a more comprehensive and accurate representation of the true cost of a loan compared to the simple interest rate, as it includes all of the fees and charges associated with borrowing the money. For example, if a loan has a 5% interest rate and a $100 origination fee, the APR would be higher than 5% to reflect the additional cost of the fee. When comparing loans or credit products, it is important

Vehicle Finance Options

There are several car finance options available to consumers, including: It is important to carefully consider the terms and conditions of each type of car finance option, including the interest rate, repayment period, and any fees, before making a decision.


A mortgage is a type of loan used to purchase a property or real estate. The borrower (mortgagor) uses the property as collateral for the loan, and the lender (mortgagee) has the right to seize the property if the borrower fails to repay the loan according to the terms and conditions of the mortgage agreement. The loan amount is usually paid back over a long period of time, typically 15 to 30 years, in regular installments that include both principal and interest. The interest rate on a mortgage can be fixed, adjustable, or a combination of both. Obtaining a mortgage

Mortgage – Interest Only

An interest-only mortgage is a type of home loan where the borrower only pays the interest on the loan for a specified period of time, usually 5 to 10 years. At the end of this period, the borrower must either repay the entire loan amount in full or refinance the loan into a new mortgage with principal and interest payments. With an interest-only mortgage, the monthly payments are lower compared to a traditional mortgage where the borrower repays both principal and interest. However, this lower monthly payment comes at a cost: the borrower is not paying down the principal of

Mortgage – Repayment

A repayment mortgage, also known as a capital and interest mortgage, is a type of home loan where the borrower repays both the principal and the interest on the loan over the life of the mortgage. With this type of mortgage, the monthly payments are higher than with an interest-only mortgage, but the loan is paid off in full by the end of the loan term. In a repayment mortgage, a portion of each monthly payment is applied to the interest on the loan, while the rest is applied to reducing the principal balance. This means that over time, the