Hello Joel. Welcome to the forums.
You can obtain one free credit report
from each of the three credit reporting bodies per year. Additional reports are provided at a fee.
To get your free copy, please contact the credit reporting bodies directly:
- Equifax (previously known as Veda Advantage): 138 332
- Illion (previously known as Dun & Bradstreet): 1300 734 806
- Experian Australia Credit Services: 1300 783 684
You’ll receive it within 10 days of submitting a request along with the required identification documents.
For accounts (credit cards, personal loans etc) which have been closed but are still showing up on your credit file, you can just obtain the necessary evidence i.e. closure letter from the lender as evidence which is sufficient for your home loan assessment. If there’s an incorrect credit card limit on your credit file, you can provide evidence of the correct amount through your account statement etc.
If there’s incorrect information listed on your report, you can ask the credit reporting agencies directly to remove or correct the information. Although, this can take up to a few weeks to a month.
Comprehensive credit reporting
has been fully implemented by the big four.
Give us a call on 1300 889 743
or fill in our free assessment form
to find out if you qualify for a no credit score home loan