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<p>Bureau Act No 18 of 1990 (as amended by Act No 42 of 2008), <a href="page.php?w=Credit_Information_Bureau%2C_Inc.">CRIB</a> has been delegated with power to issue credit reports to any subject to whom that information is related to. The Bureau commenced to issue Self Inquiry Credit Reports in December 2009.</p>

<p><big> Sweden </big></p>
<p>Sweden has a system for credit scoring that aims to find people with a history of neglect to pay bills or, most commonly, taxes. Anyone who does not pay their debts on time, and fails to make payments after a reminder,</p><p>
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