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Have you ever seen your own credit report?
By Brett Hunter from Yeti Wise
You are entitled to a copy of your credit report for free each year and
should be checking it on a regular basis.
WHY WOULD
I BOTHER?
-
Catch identity theft - The report will show all
credit applications made in your name.
If there is a credit enquiry on the report that you did not make then it
could be someone else using your identity to borrow money.
-
Find & fix errors in the report - Sometimes
there are mistakes in the credit report.
You can get the report corrected but it can be a slow process and is
best done when you are not in the middle of trying to organise a loan.
-
Know what a lender will see – Have you always paid
all of your bills and loan repayments on time?
Check to see if late or missed payments have shown up on your credit
report.
-
Know who else has checked your file – The report
includes a list of credit providers that have requested a copy of your credit
report so you can know who is looking you up.
WHAT NEXT
– GET YOUR CREDIT REPORT
There are three main credit reporting agencies in Australia and it is
possible that different information could be held by each one.
-
Equifax |
https://www.mycreditfile.com.au/products-services/my-credit-file |
- Dun
and Bradstreet |
|
-
Experian |
Ideally you should get a copy from each one but at a minimum I suggest
you at least get one from Equifax.
NEED SOME
HELP?
Watch the videos above showing how to request reports from each credit
reporting agency.
Once you get your report back if you see something that you don’t
understand let me know and I will check it out then explain it to you.