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Consumer Reports. Consumer Reports ( CR ), formerly Consumers Union ( CU ), is an American nonprofit consumer organization dedicated to independent product testing, investigative journalism, consumer-oriented research, public education, and consumer advocacy. [2] Founded in 1936, CR was created to serve as a source of information that consumers ...
The CIBIL credit score is a three digit number that represents a summary of individuals' credit history and credit rating. This score ranges from 300 to 900, with 900 being the best score. Individuals with no credit history will have a score of −1. If the credit history is less than six months, the score will be 0.
In Canada, there are two credit bureaus (also known as credit reporting agencies): Equifax Canada and TransUnion Canada. They are private companies that collect information about a consumer’s credit accounts, payment history, and other information such as debts sold to a collection agency, and bankruptcies.
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A 2022 study found that the consumer confidence index always plays a positive and statistically significant function in the development of consumption. In Canada. The Conference Board of Canada's index of consumer confidence has been ongoing since 1980. It is constructed from responses to four attitudinal questions posed to a random sample of ...
DirectBuy is an American membership buying service headquartered in Merrillville, Indiana. Members pay a fee, which entitles them to buy products at a discount, directly from the manufacturer and its authorized suppliers. Product categories include home furnishings, home improvement, entertainment, outdoor, flooring, and accessories.
The Canadian Index of Consumer Confidence (ICC) is an indicator designed to measure consumer confidence, which is defined as the degree of optimism on the state of the economy that consumers are expressing through their activities of savings and spending.
The first jurisdiction in Canada to legislatively provide for credit freezes was Quebec, with the passage of Bill 53 (the Credit Assessment Agents Act). Starting in February 2023, Quebec residents can place a freeze. As of February 2021, Ontario was considering changes to its Consumer Reporting Act that would provide for credit freezes.
TransUnion LLC. TransUnion LLC is an American consumer credit reporting agency. TransUnion collects and aggregates information on over one billion individual consumers in over thirty countries including "200 million files profiling nearly every credit-active consumer in the United States". [4] Its customers include over 65,000 businesses. [5]
The Office of Consumer Affairs ( OCA; French: Bureau de la consommation) is a Government of Canada agency under Innovation, Science and Economic Development Canada, which is responsible for consumer protection and promotion. The OCA is mandated "to these responsibilities by building trust in the marketplace so that consumers can both protect ...
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