Take Control

The first company in Australia to provide consumers with online access to credit reports.




  

Credit Reports

Articles Recently Posted

Comprehensive Credit Reporting – a big change to Australia’s credit industry

It’s been nearly two years since a ground breaking change was introduced to Australia’s credit reporting system – the introduction of payment history on consumer credit files.

In truth, Australia’s credit reporting system has been lagging behind other major economies by decades in terms of the amount of information which is present on a credit file. Credit providers throughout Australia have only been able to view relatively negative information when performing a credit check, with good payment behaviour rarely taken into account. This shift in approach is aimed at providing lenders with more information allowing them to make better and well informed lending decisions when it comes to judging an individual’s credit worthiness.

.....

15 Apr 2016 by

Ben Ryland

 in 

Credit Reports

Full Article

NAB confirms 40 postcodes on their credit watchlist

If you are in a ‘default hotspot’ you may find that lenders complete more checks as they assess your risk on borrowing.

Banks are constantly assessing risk – they will use your credit report to assess your risk to them when you apply for credit. They also assess the risk of lender by a number of different methods, including the historical and future risk of the customer’s postcode.

NAB has listed 40 postcodes in Australia that they feel are at higher risk of defaulting – largely due to the area being dependent on a single industry. That industry hits hard times, and what happens? The people employed within it also may suffer financially and therefore be at a higher risk of not being able to repay 28 Sep 2015 by

Kelly Luff

 in 

Credit Reports

Full Article

Credit report error leads to apology

Telstra issues public apology to broadband supplier Exetel for reporting to Veda Advantage incorrectly about three missed payments

22 Apr 2010 by

Barry Stamp

 in 

Credit Reports

Full Article

Credit reporting in Australia to change dramatically

Proposed changes to Privacy laws will see lenders have access to more information about us. We look at why these welcome changes are necessary.

23 Oct 2009 by

Ian Carpenter

 in 

Credit Reports

Full Article

Accepted Payment Methods: VISA and MasterCard

©Checkmyfile Pty Ltd 2007 to 2019. All Rights Reserved.

Check your Australian Credit ReportCheck your UK credit report