Don’t neglect your credit report!

Don’t neglect your credit report!

Credit check Uncategorized

 Not checking your credit report can have dire consequences. Never neglect your credit report.

Your credit report is one of the most vital aspects to successfully obtaining finance or credit.

Common sense tells us we should make sure our credit history is in tact prior to submitting a finance application, right?

However we tend to think it will all be okay and just go ahead and submit an application in the excitement of the moment.

Applying for finance can make us think differently. Our emotions change.

This can lead to you to an unintentional decision where you neglect your credit report.

It is critical that your credit report is intact before you submit any finance applications.

If you don’t it could literally cost you thousands of dollars in interest with a mortgage where you are forced to accept finance from a second tier lender.

Never neglect your credit report. Gather the courage to check first and be prepared. Better that you find out if any adverse entries exist rather than have a lender tell you when they decline your finance request.

Especially people who are certain that they have a good credit report get the biggest surprises. Mistakes can be made on your credit report, meaning its not your fault and the entry could be incorrect. But a lender will make you go away and clear that up first.

There are many articles with classic examples of this on the internet.

Don’t neglect your credit report by sticking your head in the sand. This could lead to ultimate disappointment. Check your file sooner rather than later.

Get my credit score. Equifax credit file.

Get my credit score. Equifax credit file.

Credit check

How do I get my credit score?

You can get your credit score together with a copy of your Equifax credit report.

A free copy of your Veda report is available once a year from Equifax or you can order additional copies by express service for a fee.

Equifax is the premier provider of credit reports in Australia.

All major lenders use Equifax and the Equifax score product is the bench mark used in the lending industry within Australia.

There are different versions of an Equifax credit file available so make sure you obtain one with a credit score attached.

Every lender is different with what they consider an acceptable score so there is no set “good credit score”.

Your credit score is used in conjunction with other aspects and information on a finance application.

A credit score is not to be considered the primary reason why finance is approved or declined.

For consumers who need to obtain “my Equifax Veda credit score” in a hurry this can be completed online.

Veda Check credit rating asessment

Veda Check credit rating asessment

Credit check

How to do a Veda credit check online

Veda credit check searches are conducted by lenders and you may have been refused finance recently or you may just want to check that everything on your Veda credit history file is accurate.

Either way is fine, simply complete our online authorization and we can assess your Veda credit check history information for you.

How will I receive my Veda check?

After applying online our assessment report will then be sent to you securely by email. Together with your full Veda credit file.

How much will my Veda check assessment cost?

The assessment service fee is $35.00 which covers the compilation of our assessment report. We pass onto you your full Veda credit history file which we have accessed for the assessment. There is no cost for the Veda credit file we send you, only the chargeable assessment report.

You may have applied numerous times for finance and then continue to wonder why you are being declined.

What will my Veda check assessment tell me?

Stop wondering or worrying and get your Veda credit Check information supplied online which will allow you to identify and isolate any potential issues. Your Veda check assessment will show any default or court actions which would cause finance to be declined.

This then provides you with a starting point and knowledge on what needs fixing on your Veda credit history report.

Australia’s Veda Advantage (now Equifax) is the largest credit reporting agency and most commonly used by lenders. Make sure you get to see what the banks see by viewing our report of your full Veda Equifax credit history assessment.

During our assessment process we access your Veda Check information online and you will be required to enter information such as full name, DOB, current residential address, drivers license and possibly other information if required to confirm your identity.

None of your personal information is passed onto any third party. It is only entered into a Veda Check Equifax data base which we are registered to access, and then cross referenced in order to match your correct file.

You can access a free copy of your credit history and assess it yourself however this must be done directly through a credit reporting bureau and a wait of up to a couple of weeks is normally incurred.

Make sure that any assessment of your Veda Check is based on a genuinely sourced Veda Advantage information file and not an amended or different company’s “free” version. There is no point obtaining an assessment based on different data to what the banks and lenders use.

Trust a registered authorised access seeker to carry out your Veda credit Check assessment request for you – Credit Check Express.
Click here to order your assessment report.

Although we are registered with Veda as an authorised access seeker, Credit Check Express is not a direct affiliation of Veda.
We do not sell or resell credit files as a stand alone service.

Veda Credit Check – Practical steps and access.

Credit check

A simple guide with advice for people to complete a Veda credit check online safely.

These easy steps will show you how to obtain your credit file after doing a Veda credit check online. The application is below also.

Can I do a Veda credit check from my mobile or laptop?

Yes. You can apply for a free copy from your mobile or laptop directly with Veda and a waiting period of around ten days normally applies. Or you can pay a small fee and get your file quickly online.

Is it legal for me to carry out a Veda credit check on myself?

Yes Absolutely. You do not need to wait for a lender to conduct a check on your credit report. It is your legal right to access a copy of your credit report.

Is Credit Simple or Credit Savy the same as a Veda credit check?

No they are not, rather they are certain extracts from a Veda report supplied by a third party reconstructing their own report.

Lenders do NOT use those third party reports and only use original Veda reports. Make sure you get the same report that a lender will be looking at.

Don’t settle for re fabricated or adjusted copies of your Veda credit check information.

Is it safe do do a Veda credit check online?

Yes. It is safe so long as the supplier is using a website with an SSL certificate. This is evidenced by the website URL beginning with https://

What information do I need to enter to get my Veda check?

You will need to enter your name, address, date of birth, drivers license, employer name, contact number and medicare card number. This ensures the correct Veda file is sent to you.

Is my credit score included on a Veda credit check?

Yes. A lender has a use for a credit score in conjunction with their lending principles.

You on the other hand as an individual need to know what entries are on your Veda credit check. A credit score does not show this information.

When should I do a Veda credit check?

You should make sure that you obtain your Veda report prior to submitting any applications for finance or credit, NOT afterwards. You need to see what is on your file and make sure it is all correct before going for finance.

What information do lenders need from my Veda report?

The items mainly focused on when a lender carries out a Veda credit check are any applications too many or too little, adverse listings such as defaults or court actions and confirmation of address, personal and employment details.

How much does it cost me to apply for a Veda check?

The service and application below will currently cost $35.00 gst incl.

This is not excessive provide you receive a detailed assessment report with the file, in fact it is the detailed assessment report you are paying for and not the actual credit file. The credit file is passed on to you at no additional cost.

What should I do if there are black marks on my credit file?

Seek the assistance of a professional credit repair solicitor who does not charge any money upfront. Never pay deposits or money upfront for repair.

What do I do if my name or address is incorrect?

You should contact Veda Equifax directly via their website and request the appropriate changes. By law, this information must be corrected upon your request.

How important is the accuracy of the data on my credit file?

It is critical to the success of your finance applications that all information you supply is consistent with what appears on your Veda credit check file. You should not rely on your memory as there are too many dates and details to leave to chance. Every aspect of your finance application details should correspond exactly with your credit rating information.

If not, your chances of successful approval will be greatly diminished.

You can obtain a copy of your Veda credit check report by completing the online application at the left of this page. The version you receive will contain identical information to that which a lender sees, ensuring you then have the best possible chance at completing an accurate application.

How do I get my Veda credit check right now online?

Simply complete an online application such as the one on this page below or our link – credit check now.