Credit Reports - Credit Reference Agencies

Please see a list of services offering access to your credit report. By viewing your credit report online, you can see what it is that banks and lenders see when they assess your credit report. It is recommended for you to check your credit report at least once a year, to make sure that the information contained within your credit report is correct and up to date. Some people are turned down for a loan application thanks to incorrect information in their credit report – it may show an unsettled debt which you did actually pay off. Prevent this kind of thing from happening by having a regular credit check and requesting corrections. Most companies offering credit reports and credit checks provide a free trial period after which you can choose to keep a regular subscription to keep up to speed on your credit status. Use the table below to compare essential features when having your credit check, like how much the regular credit report subscription costs.

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Credit reports – sign up and gain access to your own file

See what the lenders see by viewing your own credit file

What is a credit file?

At the moment you open a bank account or apply for a credit card or loan, a credit file will be started – so probably everybody in Australia has a credit file.

Which information does a credit file contain?

Your credit file shows your personal details, which are your full name and address, your date of birth, driver’s license and all details of your employer. It also holds all details about your loans and credit card applications of the past five years, it will show payments which you have not done yet or which are overdue.

The credit file also contains loans, credit cards and the state of payment which you made for your business.

Does your credit file contain any more information?

A credit file also gives information about public records, which means for example court judgments, and any information about you if you have ever been bankrupt.

How to look at your own credit file

To gain access to your own credit file can be done very easily online. Just sign up with a service that is authorized to offer this. What you sign up for usually is a subscription with a monthly fee, which will cost you up to about 50 dollars per year.

Why should I sign up to view my own credit file?

Not only will you see what the potential lender can see and thus estimate your chances for borrowing money, but it is also useful to check it for any errors. This is is good a good way to monitor for fraud.

How to find the best credit file agency

Have a look at the chart below to compare the different terms, services, and above all costs, and what you get for them. Once you have made your choice, it is easy to sign up online in just a few steps.

Why should I look at my credit file?

Viewing your credit file is a great way to ensure that you monitor for fraud and keep tabs on who is accessing your file. Not only this, but you are able to see if there are any mistakes in your file that is damaging your credit history. Mistakes DO happen, which is why it is important that you are on top of it. Perhaps you have an old address on file or an overdue credit card payment that you have actually paid off. You should always ensure that you check for any old mobile phone contracts which you perhaps no longer use. Monitoring you credit file is a cheap way to ensure that you protect yourself from fraudulent activity and identity theft. If you find a mistake, contact the credit reference agency and have then check and correct it immediately.