Glossary entry

English term or phrase:

investigative credit reporting

Italian translation:

verifica del rapporto di credito

Added to glossary by texjax DDS PhD
May 12, 2006 22:05
18 yrs ago
4 viewers *
English term

investigative credit reporting

English to Italian Other Human Resources
personnel management consultation, namely personnel evaluation services, management and consultation in the field of employment counselling, excluding the fields of the physical, biological, engineering and economics management sciences;
personnel relocation services.
Personnel management consultation, namely investigative credit reporting.
Personnel travel services.
Personnel management consultation, namely reference checking.

Proposed translations

+3
2 hrs
Selected

verifica del rapporto di credito

o anche verifica della storia di credito

Credit Report e' una espressione molto comune e fin'ora esclusivamente statunitense, anche se ho visto che alcune societa' di credito italiane lo stanno proponendo.
In poche parole e molto semplicisticamente, e' una verifica di affidabilita' economica. Il credit report riporta, appunto, con un punteggio [credit score] la tua storia relativamente ai pagamenti effettuati, ed alla tua affidabilita' di credito. Quest'ultima in definitiva coincide con l'interesse bancario che si paghera' al momento della richiesta di un fido o di un finanziamento; interesse che varia a seconda del punteggio di credito. A basso punteggio di credito>alto interesse bancario.

In questo caso, tra i "servizi" offerti/richiesti, vi e' appunto la verifica del rapporto di credito

Now you can view your credit report online enabling you to monitor your credit and monitor your score while protecting yourself from identity theft.

http://www.equifax.com/
Your Access to Free Credit Reports
A credit report includes information on where you live, how you pay your bills, ... If you order your report by mail using the Annual Credit Report Request ...

http://www.ftc.gov/bcp/conline/pubs/credit/freereports.htm

http://www.fiaip.it/vip-fiaip/informazioni_imprese_estere/im...



AutoCreditoCredito PersonaleMutuo CasaPrestito PersonaleCessione QuintoFinanziamento Auto Results for Credit Report Cerved.com: credit report Cerved: visure camerali, catastali, ipocatastali, ipoteche, e verifiche su patrimonio...
http://www.telecom-italia.org/get/great/price/buys/credit_r....
Peer comment(s):

agree P.L.F. Persio
12 hrs
good morning!!!...well, it's morning over here..
agree Rosanna Palermo : oh crapola Tex!!!!!!Looks like you explained the same thing already!
15 hrs
lo sapevo che tu lo sapevi, ovviamente. Qui in USA non puoi neanche respirare se non sai che significa! Bellissimo il *crapola* seguito dalla frase in inglese! :-)
agree Monica Mangh (X)
16 hrs
grazie Monica
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4 KudoZ points awarded for this answer. Comment: "grazie!"
22 mins

investigazioni per la raccolta di informazioni commerciali

Cosa ne pensi?
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18 hrs

investigazione delle attivita di credito "documentate", investigazione del curriculum di credito


a credit report lists for 7 years, all the credit lines that a person or business has opened, their credit limit, and how each monthly payment was made. It is a 7 year history of the documented credit activities. I am sayind documented because things such as utilites and rent payments do not appear on a credit report unless they are in a "collection" status.
Percentages of debt and timely payment counts are reflected in a credit score (FICO) which most lenders will take into account while making the decision of how much (if any) credit to extend said individual or business.
FICO score 300-600 = bad
600-710 = good
711+ = excellent

a credit report is really a 7 year "curriculum vitae" of the credit history of anyone.

I look at these reports every day since my full time job is to finance automobiles (for people that have 300 to 600 credit scores sigh).
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