THE CREDIT BUREAU OF TRINIDAD & TOBAGO.

Overview.

Services.

Members' benefits.

The Credit Bureau of T&T provides to its members, (financial institutions as well as individuals) credit profiles and assessments in respect of any person, firm or company on which information is available in its database. Our database comprises over three hundred and fifty thousand (350,000) records, and is continuously increasing in number and scope of data. We also enter your collection accounts into our database, and this information is shared with other members who utilize the Credit Bureau.

This has proven to be a very cost effective method of making delinquents pay; i.e.. A person (whose delinquency is listed with the Credit Bureau) applies for a loan or hire purchase and the Lender/Seller puts through a standard credit check to the Credit Bureau. The previous delinquency is reported, and the individual cannot acquire a new loan or hire purchase unless he pays off his old debt. In other words, his name has been listed, so he immediately pays that debt because he wants to get more credit. Such information is accessible to members through our computer system, via modem, or from any of our account representatives.

Our information on credit worthiness about any individual is as current as possible, due to the exchange of information between members and the Bureau, and through the complement of our other two divisional databases: A.V. Knowles Debt Collection Agency and H.P. Register Limited. We presently receive an average of ten thousand (10,000) Credit applications per month.

NB: All information furnished by the company, either voluntarily or at the request of a Member, shall be kept confidential between both parties.

Services provided by The Credit Bureau:

• Credit Bureau Reporting
• Verbal Reports
• Written Reports
• Business Credit Assessments
• Trade References
• Company Title Searches

Information is provided on companies and/or individuals.

Any information pertaining to verbal and written report is provided in the shortest time possible. Information required about a company or individual, can only be accessed by an authorized member, using a designated access code. Each credit inquiry will be charged at the prescribed user rate, and billed in a statement at the end of each accounting period.

Benefits to our members:

1. By subscribing to our services, you automatically fall within the largest network of businesses, which provides you with a continuous exchange of information from among its membership, including a security blanket of protection, all at minimal cost.
2. Your business receives a significant level of financial protection by way of our Shield Stickers and Stamps. These stickers, when placed strategically within your location, attracts your customers/prospective clients attention to the fact that A.V. Knowles & Associates is protecting your company from possible delinquents and unscrupulous business people.
3. The shield-sticker and stamp also generates awareness of your membership by other business people who are also members of our organization. It works like a crime Watch Association.

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