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Thread: How do I get a copy of my credit report? OAIC find your credit score.

  1. #1
    Gav
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    How do I get a copy of my credit report? OAIC find your credit score.

    When thinking of getting a new credit card, personal loan, home loan / Mortgage it's worth knowing your credit score, you can get hold of our credit report through numerous different agencies. The Office of the Australian Information Commissioner OAIC have given a few hints about it here:

    How do I get a copy of my credit report? - OAIC

    How do I get a copy of my credit report?

    You will need to contact the credit reporting agency to obtain a copy of your credit report. You will be asked to provide information to enable them to properly identify you. This could include your:

    • full name
    • address
    • date of birth
    • previous address
    • driver's licence number.

    You can get a copy of your credit report from these credit reporting agencies:


    Credit reports are generally required to be given free of charge, however, if you want your report immediately there may be a charge involved. You can check with the credit reporting agency about any charges involved in getting your credit report immediately.



  2. #2
    Gav
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    MyCreditFile - Veda information about your credit reputation and score.

    MyCreditFile - Veda information

    costs $69.95 for 12 months:
    Credit Report Monitor For Individuals - My Veda Alert | MyCreditFile.com.au


    My Credit File, my credit reputation


    Be informed: Your credit file is continuously updated by credit providers when you apply for credit. Your file is used by potential lenders to determine if you are credit worthy.

    Manage your credit reputation: By being informed you can more proactively manage your credit bureau file.

    Help detect and prevent identity theft: By signing up for My Veda Alerts you can monitor changes on your credit file.
    When you subscribe to My Veda Alert, you will be notified by email within 24 hours if any of the following is added or changed on your credit file:

    • Addresses
    • Employment details
    • Consumer credit enquiries
    • Details of overdue consumer credit accounts
    • Commercial credit enquiries
    • Details of overdue commercial credit accounts
    • Bankruptcy
    • Court judgement
    • Writs and summons
    • Directorship information
    • Information that you have a current credit relationship with a credit provider

    When you subscribe to My Veda Alert you will also receive a copy of your credit file despatched to you by email, fax or mail within 1 working day of receipt of payment.

    Order My Veda Alert and start enjoying the benefits of email alerts whenever specific changes occur on your credit file.
    For less than $1.35 a week, you can better manage one of your most important assets.

    Veda makes freely available your credit file where your request relates to the refusal of an application for credit or is otherwise related to the management of your credit arrangements. Veda despatches the file within ten working days. For more information please visit the OAIC website to view the credit reporting code of conduct.

    Important legal and compliance notice

    Veda has been recently alerted to potential fraudulent activity where customers have been asked to send identity information to a specific fax number or they will be defaulted.

    This is not normal Veda practice. Veda will only ever request that individuals to provide us with a copy of their identification if they have requested a product or service from us. Veda will only ever request this information in writing, expressly and never by a recorded telephone message.

    The Veda Group operates a consumer credit bureau and as such holds consumer credit information. Veda does not list defaults on individuals. Default information is provided by credit providers who remain accountable for the accuracy of that information.

    Individuals can (for a fee) monitor their credit file to check for any fraudulent behaviour by signing up to My Veda Alert. My Veda Alert sends you an email when specific changes are made to your credit file. This service attracts a fee of $69.95 (GST included) for a 12 month subscription.

  3. #3
    Gav
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    Get your credit report for free through www.MyCreditFile.com.au

    My Credit File are offering access to your free credit file, should take about 10 days to get the free version:

    Get Your Free Credit File At www.MyCreditFile.com.au

    Get Your Free Credit File At Credit Check Australia, Credit Rating, Credit Report | MyCreditFile.com.au


    Want your credit file but have time to spare?

    To obtain a free copy of your credit file, despatched to you within ten working days, please complete the Veda Free Credit File Form.

    You will need to have the following information handy:
    1. Your full name

    2. Your date of birth
    3. Your driver's licence number
    4. Two forms of identification including

    • a copy of your driver's licence, passport, birth certificate or Proof of Age card, as well as
    • a document issued by an official body which includes your name and address (i.e. rates notice, utility bill or bank statement)

    5. Your current residential address
    6. Your previous addresses
    7. Your current employer or a previous employer
    8. Name of the organisation to which you last applied for credit
    9. A daytime telephone number
    10. Your signature
    11. How you would like your file sent to you, via post, fax or email
    Only you may request a copy of your own credit file. For security purposes, prior to receiving your credit file you will be asked to verify your identity. You can obtain more detailed information regarding the access and use of personal information on our Privacy section.
    Please note that credit file applications for the purpose of obtaining a gaming or credit licence are not eligible for the free file service. Any applications for this purpose will need to be processed using the express service below.
    Express Service

    Should you wish to receive your credit file sooner, an express delivery service is offered for $59.95 and will bedespatched to you within one business day.
    Find out more


    As a leading provider of credit related information in Australia and New Zealand, Veda is committed to protecting your personal information.
    If the information in your credit file needs updating please refer to Updating information on your file
    Please note, if the information you have provided does not sufficiently meet our security requirements, you may be contacted by Veda Advantage and asked to provide documentation to verify your identity. This may affect the timeframe in which you receive your file.
    Send your request to Veda Public Access via:
    Mail: PO Box 964 North Sydney NSW 2059
    Fax: (02) 9278 7333
    This free service is for personal records only.


  4. #4
    Gav
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    how to get your credit report for free.

    Another that has been listed already, but here's the details on how to get your free credit report option from Check your credit:

    https://www.checkyourcredit.com.au/

    Bit harder to find the free option from Dun & Bradstreet (Australia) Pty Ltd

    Alternatively, D&B's standard service allows you to view your credit report online in 10 business days, free of charge.

    Head here to get D&B's free standard service, once again it's online only and takes 10 business days:

    https://www.checkyourcredit.com.au/M...tandardService

    You have selected a standard credit report. By ordering your credit report now, you are taking a very important step to ensuring an accurate credit standing. Achieving and maintaining the health of your credit standing will help you to access credit when you need it the most.

  5. #5
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    The Dun & Bradstreet paid option is cheaper at $30 than Veda is at $69.

    Dun and Bradstreet - D&B Credit Reporting
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  6. #6
    Gav
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    Hey Jeff, for most people just after a first mortgage - or re-mortgage would they want a paid version?

    Never mind... I just looked at the Dun Bradstreet link, you can also get a paid version for investors and customers! This is a very handy link to know, especially if you're looking to invest in a certain company!

    Thanks for that!

    Reduce your risk by credit checking your customers and prospects.

    Checking the financial position of your customers and prospects and being alerted to changes in their status allows you to make informed business decisions.
    D&B provides commercial and consumer credit reports and analysis on millions of companies and consumers. We also provide Economic & Risk Outlook Reports for 131 countries around the globe.
    There are a variety of reports available to ensure that you can access the information you need.

    • Commercial reports range from a Business Name Extract through to a full D&B Report. This means you can access information for a number of purposes from confirming a company's existence through to comprehensive financial and payment analysis. Reports can be purchased on a casual user or subscription basis.
    • Personal reports allow you to view your current credit file. Managing your credit report is an easy way of saving you a significant amount of trouble the next time you apply for credit. By checking your report regularly you can ensure that lenders are getting a balanced, complete picture of your financial health.
    • Consumer reports range from a Public Record Enquiry to an Application Score Enquiry. This allows you to access information for purposes from confirming a consumer's identity to obtaining a credit recommendation. Access to consumer credit reports in Australia is governed by Commonwealth privacy laws which means you must be a verified subscriber to access this service.
    • Country Risk reports provide payment trends data, economic forecasts and analysis on the risk of doing business in 131 countries around the world. Combined with our global company database, this allows you to credit check individual companies and their trading environment.


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