Check your Credit Report today!

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Check your Credit Report today!
Your credit report shows information regarding your credit history and helps credit providers, financial lenders, telco and utility companies obtain information on your credit history when you make an application for a loan or credit contract. You will have a credit report If you’ve applied for credit such as a personal loan, home loan, store finance, mobile phone or credit card.  The credit report includes information such as:

Personal details

Your full name, date of birth, driver’s licence, past and current residential addresses and employer information.

Your credit history

Credit or loans you have applied for and any default listings.

Other information

Court judgements, bankruptcies, insolvency agreements and directorships.

Things to check on your credit report

  • Your name
  • Your date of Birth
  • Your current and previous addresses
  • Any incorrect default listing
  • Any incorrect credit applications
It’s a good idea to get a copy of your credit report once a year to check it’s accuracy.  Incorrect listings can hinder your ability to obtain finance. You are entitled to check your credit report for free once a year.  You can obtain it urgently by paying a fee. Here are some agencies where you can get a copy of your credit report: How important is your credit report? Lenders use credit reports to help them decide if they will loan you money or what interest rates they will offer you.  Lenders also use your credit report to decide whether you meet their lending criteria. Other businesses might use your information to decide whether to offer you a utility or telephone agreement.   Your credit history is very important to lenders so it is vital you check and understand your credit report.

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