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 – How to get my credit file

Credit check

Doing a Veda credit check is easy and safe in the right environment.

This article will show you how to obtain your credit file after doing a Veda credit check online.

You can apply for a free copy directly from Veda and a waiting period of around two weeks will apply. Or you can pay a small fee and get your file quickly online.

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

Make sure you obtain a full copy of your file which includes application history, defaults and any other adverse issues.

A credit score on its own is useless to you. Only 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.

Your Veda Credit check report shows all relevant information to lenders when they process any finance application.

The items mainly focussed 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.

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.