Your Credit Report (Australia) - Are You Credit Worthy?

What is a Credit Report (Australia)?

Borrowers who need to repair bad credit need to get their credit file - credit report from Australian authorised organisation.

All people and businesses in Australia that have obtained credit during the past seven years are on record that is called credit file. Some details kept in credit file include the date of credit application, the amount of credit and the purpose of the credit.

In order to identify you and define your credit situation, credit file contains:

• Residential address, date of birth
• Drivers licence number
• Current or previous employer
• Records of current credit accounts
• Defaults against your name
• Bankruptcy Act Information
• Public record information such as Directorships and Proprietorships

According to Australian law credit providers are NOT allowed to access a consumer credit file without the permission of the individual.

How to Get Your Credit Report in Australia?

Your individual credit report can be obtain by requesting in mail:

Veda Advantage Public Access PO Box 964 North Sydney NSW 2059

or via Fax: (02) 9951 7880

When sending your request for credit report make sure you provide:

• full name and date of birth
• driver's licence number and current residential address
• previous addresses
• current employer or a previous employer
• organisation to which you last applied for credit
• a contact telephone number
• Your signature