My Credit File service offered by Veda Advantage is one of the two major credit reporting agencies in Australia. The other is Dun & Bradstreet.
Both organisations provide services to credit providers of all types. It is entirely up to the credit provider who they choose to use when carrying out Credit Checks on consumer or business credit applications.
A particular credit provider or lender may use Veda today for their credit checks, however they may have been using Dun & Bradstreet two or three years ago.
So that explains why some of your past applications may appear on Veda and some may appear on D&B, even if it is the same lender who has checked over different time periods.
Just because a default may appear on one file it may not necessarily be on the other. It is always a good idea to obtain a copy of each file from Veda and Dun & Bradstreet. You can obtain your D&B file from their website or we can assess your Veda file for you just click here.