The first company in Australia to provide consumers with online access to credit reports.
Debt Centre
Simply match the description that best fits your current circumstances, then click on the appropriate 'remedy' button to see actions you can take to help relieve debt stress.
Causes:
Perhaps between jobs, suffering illness, or have had unexpected bills or a large financial commitment to cover.
Symptoms:
- You are using credit cards more
- You have obtained new credit cards ‘just in case’
- Your overdraft is heavily relied on
- You are concerned, but not overly worried
Causes:
Too much of your income is taken up with credit card and loan repayments.
Symptoms:
- You are coping, but only just
- You deal with unexpected bills by borrowing more
- You regularly look to switch card debt to 0% deals
- You are paying minimum payments on your cards
- You think your next pay rise will give you some ‘space’
- You consciously try to avoid thinking about your debt
Causes:
Your income isn’t enough to cover your monthly expenditure any more, so your overall debt is increasing slowly.
Symptoms:
- You have consolidated debts already
- You make minimum payments by direct debit
- You don’t open your monthly statements
- You have been turned down for credit
- You are worried, you are beginning to panic
- You are losing sleep, drinking more or both
Causes:
You are over-borrowed and cannot pay all your bills on time.
Symptoms:
- You are in arrears with at least two lenders
- Some of your accounts are handled by debt collectors
- You have been threatened with court action
- You make promises to pay that you can’t keep
- You may even have judgments already
- Your family relationships are affected
- You avoid opening any bill that arrives in the post
- You are very worried
- You are losing sleep, weight and friends
- You are thinking of emigrating or going walkabout
Credit Report Monitor
The most extensive credit report analysis and monitoring service in Australia. Ideal if you wish to keep tabs on your reports and guard against impersonation fraud.
Keep an eye on your Dun & Bradstreet report for less than the cost of a monthly Big Mac.
Tell me more Price: $9.99 per quarter - first quarter FREE
Some key facts
checkmyfile was the first company in the World to provide consumers with full access and explanations to their credit scores and the first company in Australia to give consumers online access to credit reports.
We enable consumers to access online a wide range of information stored about them and their neighbourhoods, wherever possible, for free.
We are privately owned, totally independent and work for the consumer.
