List of Credit Bureau Agencies in the World
Last Updated : June 16, 2021, 2:16 p.m.
Credit history plays a vital role in approving or rejecting a loan application by financial institutions. The applicants should always be cautious about the credit history they create. Any delay payments (DPDs) or no repayments of loan and equated monthly instalments (EMI) lead to a bad impression in front of the credit appraiser.
In India, financial institutes generally prefer referring to CIBIL for validating the credit history of the applicant and co-applicant.
With the current scenario and post covid rate reduction in home loans, India has become a hot space for Non-Resident Indians to invest in Indian Real Estate. This in turn has increased the demand for Home loans in India . While applying for a home loan, NRI’s are required to provide multiple documents which include but not limited to Credit History. Enlisted below are the various credit agencies accepted by Indian Lenders for availing the Credit history of NRI applicants of various countries.
Country | Credit Agency | Website |
---|---|---|
Austria | Experian | www.experian_scorex.de www.experian.de |
Australia | Experian | www.experian.com.au |
Baycorp Advantage | www.baycorpadvantage.com | |
My Credit File | www.mycreditfile.com.au | |
Belgium | Experian | www.experian.be |
Belgium National Bank | www.nbb.be | |
Canada | Equifax | www.equifax.com/EFX_Canada |
Experian | www.experain.com/intl/canada.html | |
Transunion | www.tuc.ca | |
Dubai | Emcredit | www.emcredit.com |
France | Experian | www.experian.fr |
Germany | Experian | www.experian.de www.experian-scorex.de |
Schufa | www.meineschufa.de | |
Hong Kong | Transunion | www.transunion.hk |
Italy | Experian | www.experian.it www.experian-scorex.com |
Credit Protection Consortium | www.ctconline.it | |
Japan | Experian | www.experian.co.jp |
Malaysia | Credit Bureau Malaysia | creditbureau.bnm.gov.my |
Experian | www.experian.com.my | |
New Zealand | Baycorp Advantage | www.baycorpadvantage.com |
Veda Advantage | www.vedadvantage.com | |
Dun & Bradstreet | www.dnb.co.nz | |
Saudi Arabia | Saudi Credit Bureau | www.simah.com |
Singapore | Credit Bureau Singapore | www.creditbureau.com.sg |
Spain | Experian | www.experian.es www.experian-scorex.com |
Sweden | Experian | www.experian.se www.experian-da.com |
UC | www.uc.se | |
Taiwan | Experian | www.experian.com.tw |
Joint Credit Information Center | www.jcic.org.tw | |
Turkey | Experian | www.experian.com.tr |
Thailand | Nation Credit Bureau co. Ltd. | www.ncb.co.th |
United Kingdom | Experian | www.experain.co.uk |
Equifax | www.equifax.co.uk | |
Transunion | www.transunion.co.uk | |
United States of America | Equifax | www.equifax.com |
Experian | www.experian.com | |
Transunion | www.transunion.com | |
UAE | Emcredit | www.emcredit.com |
In continuous efforts to provide maximum information to our clients, we will continue to update the list.