Get a free copy of your credit file

ArcobatDownload credit file request form

What is a credit file?

Your credit file contains your personal information, including your name, date of birth, address and gender.

It also contains information about your credit history, including:

  • Which lenders you have applied for loans with during the last five years,
  • Any defaults, court writs or judgments in the last five years and
  • Any history of bankruptcy in the last seven years.

Your credit history is one of the most important things that banks take into account when you apply for finance to purchase or refinance. Knowing your credit history can help you make various decisions in applying for the right type of home loan.

Did you know you can find out what the lenders know about you by requesting a FREE copy of your credit file?

Information on your credit history

Veda Advantage is the largest credit reporting agency in Australia. As a credit reporting agent, Veda Advantage holds credit information files on individuals, in accordance with the Federal Privacy Act 1988.

Banks and other financial institutions often check Veda’s database when you apply for loans.

You have the right to request copies of the information they hold about you under the Privacy Act. However, you are only entitled to request a copy of your own credit history.

You can download the request form here. Request can be made by mail or fax. This service is free of charge, and your credit file will be dispatched to you within ten working days.

If you don’t have time to do so, visit Veda Advantage for their paid service.

Once you receive your credit file you can fax or email it to us and we will call you to discuss how your credit history would be viewed by a home loan lender!