00:04your credit score in New Zealand it's not what you think we don't actually use credit scores
00:10here instead we use something called a credit indicator it's basically a snapshot of your
00:16credit history lenders use it to decide if you're low risk or high risk things like missed payments
00:23they'll hurt your indicator but paying on time and keeping debt low that helps you can check
00:28yours for free through credit bureaus like Centrix or Ilion it takes like two minutes seriously go
00:35check it today your future self will thank you you're about to apply for a loan in Cambodia and
00:44the lender just mentioned your credit information indicator what exactly is that it's basically your
00:49financial report card in Cambodia the credit bureau of Cambodia tracks your loan history payment
00:56behavior and outstanding debts every time you borrow money from a bank or microfinance institution
01:03it gets recorded a good indicator you get better interest rates higher loan amounts faster approvals
01:11a bad one well you might struggle to even get approved so here's what you need to do pay every
01:18loan on time keep your debts low and check your credit report regularly your financial future in
01:24Cambodia depends on it want to learn how to request your free credit report check the link in the
01:29description your credit score in Georgia could be costing you thousands of dollars right now and
01:37you might not even know it here's what every Georgian needs to understand about their credit
01:41information Georgia is one of the states where your credit report gets pulled for everything renting an
01:47apartment getting car insurance even applying for certain jobs the problem is most people don't check what's
01:53actually on their report studies show that one in five credit reports contains an error that could
01:58lower your score that's a huge deal when you're trying to buy a house or finance anything in Georgia's
02:04competitive market so here's what you do pull your free credit report from all three bureaus once a
02:10year look for anything that doesn't belong wrong addresses accounts you didn't open late payments that
02:16aren't yours if you find errors dispute them immediately the bureaus have to investigate within 30 days your
02:22financial future in Georgia depends on accurate credit information don't wait check your report today
02:30Mexico's credit information system is more powerful than you might think according to the World Bank they
02:36track something called the credit information index it measures how well a country's credit reporting
02:42system actually works the scale goes from zero to eight higher scores mean better access to credit
02:48information for lenders and borrowers Mexico scores a six out of eight that's actually pretty solid compared to
02:56many countries it means credit bureaus share comprehensive data about borrowing history this helps banks make
03:04smarter lending decisions and it helps you get better loan terms when you have good credit want to learn more
03:10more about global financial indicators follow for more insights from the World Bank data
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