How do the credit bureaus abroad?

In Russia, credit bureaus are modeled very closely the U.S.. But in many ways we have not yet reached the western level. It is understandable, because the institution of credit bureaus, we have a total of 6 years. In the U.S., the three largest offices with different owners - TransUnion, Equifax and Experian. American borrowers can obtain a free credit story, read it on the Office website. The Russians also have the right once a year free of charge to read your credit history, but that's to get it more difficult than in the U.S.. Need to apply directly to the credit bureau, or send a notarized request by mail. Detailed reports Lenders in Western Europe and the United States upon request receive the necessary information in the form of reports. Detail may be different. For example, a simple report contains only a negative credit history. The full report can be found data on the borrower's property, his income activities. In the West tend to have a positive credit history, and never allow yourself not negligent attitude to the return of the debt.