órgãos restritivos de crédito

English translation: credit bureaus

GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
Portuguese term or phrase:órgãos restritivos de crédito
English translation:credit bureaus
Entered by: Jerome Ellis

21:32 Aug 27, 2017
Portuguese to English translations [PRO]
Bus/Financial - Telecom(munications) / Mobile Phone Service Agreement
Portuguese term or phrase: órgãos restritivos de crédito
Hi all,

I am translating a mobile phone service agreement and I am not sure how to translate "órgãos restritivos de crédito" in this sentence: "Declara que seus dados cadastrais são verdadeiros e que se compromete a atualizá-los periodicamente, autorizando a NEXTEL a verificá-los junto aos órgãos restritivos de crédito e instituições assemelhadas..."

Thank you!
Jerome Ellis
United States
Local time: 15:33
credit bureaus
Explanation:
Pelo que eu saiba, nos EUA pelo menos as agências de crédito não restringem o crédito. Elas simplesmente indicam o histórico de pagamentos da pessoa (e.g. pagamentos delinquentes, falências, etc.) Compete ao credor decidir se aprova o cliente ou não. São conhecidas como "credit bureaus" ou "credit reporting agencies".

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Note added at 54 mins (2017-08-27 22:26:29 GMT)
--------------------------------------------------

Existem 3 grandes agências: Experian, Equifax e uma terceira, cujo nome não me lembro.
Selected response from:

Oliver Simões
United States
Local time: 12:33
Grading comment
Thank you all!
4 KudoZ points were awarded for this answer



Summary of answers provided
5 +2credit bureaus
Oliver Simões
5Credit Bureaus
Priscila Molina
4Credit rating agency
Luiz Fernando Doin


Discussion entries: 3





  

Answers


3 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5
Credit rating agency


Explanation:
Sugestão...

Luiz Fernando Doin
Brazil
Local time: 16:33
Specializes in field
Native speaker of: Portuguese
Notes to answerer
Asker: Thank you Luiz!


Peer comments on this answer (and responses from the answerer)
agree  Martin Riordan: credit rating agencies
3 hrs

disagree  Oliver Simões: Not the same. A credit rating agency rates the economic performance of each country. The context is referring to something similar to Experian in the USA or SPC in Brazil. These are internal agencies that keep track of people's credit performances.
3 hrs
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53 mins   confidence: Answerer confidence 5/5
Credit Bureaus


Explanation:


"Consumer reporting agency in the United States, a credit reference agency in the United Kingdom, a credit reporting body"

"A credit bureau is one of the two main types of credit reporting institutions. "


    https://en.wikipedia.org/wiki/Credit_bureau
    Reference: http://www.worldbank.org/en/publication/gfdr/background/cred...
Priscila Molina
Brazil
Local time: 16:33
Native speaker of: Native in PortuguesePortuguese

Peer comments on this answer (and responses from the answerer)
neutral  Oliver Simões: I answered the same 5 minutes earlier!
2 hrs

neutral  Mario Freitas: Priscila, geralmente quando a resposta já foi sugerida por outra pessoa, a gente dá um "agree" e posta as referências como "Reference" ou na discussão
4 hrs
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48 mins   confidence: Answerer confidence 5/5 peer agreement (net): +2
credit bureaus


Explanation:
Pelo que eu saiba, nos EUA pelo menos as agências de crédito não restringem o crédito. Elas simplesmente indicam o histórico de pagamentos da pessoa (e.g. pagamentos delinquentes, falências, etc.) Compete ao credor decidir se aprova o cliente ou não. São conhecidas como "credit bureaus" ou "credit reporting agencies".

--------------------------------------------------
Note added at 54 mins (2017-08-27 22:26:29 GMT)
--------------------------------------------------

Existem 3 grandes agências: Experian, Equifax e uma terceira, cujo nome não me lembro.

Oliver Simões
United States
Local time: 12:33
Works in field
Native speaker of: Native in PortuguesePortuguese
PRO pts in category: 8
Grading comment
Thank you all!

Peer comments on this answer (and responses from the answerer)
agree  Mario Freitas: Tá certo. Credit Rating tem a ver mesmo com a classificação de crédito (standing).
4 hrs
  -> Obrigado, Mario

agree  annitap
9 hrs
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