How do I get my credit report?
It is very important for you to acquire a copy of your credit report. This is because you need to know your credit. By knowing what is on your credit, you can determine what is legitimate and what isn’t. You can then dispute those items that you feel are not legitimate in order to improve your credit rating.
However, you have no idea what these items are or who to dispute with unless you have a copy of your report.
There are two main agencies in Australia that you can contact. You can contact Veda Advantage by visiting their website at www.mycreditfile.com.au and by contacting Dun and Bradstreet at http://dnb.com.au/Credit_Reporting/Order_my_consumer_report/index.aspx
If you live in Tasmania, you can contact Tasmanian Collection Service at www.tascol.com.au/reports.htm.
When you contact these agencies, you must include your full name, your full address, your date of birth, your driver’s license number, and your previous address.
When you order your credit report from Veda Advantage, for $29.95 you can have your report within one working day via fax. Otherwise you can usually have your report within a 10 day period (free).
It cannot be stressed enough how important it is to keep track of your credit report. You would be amazed in what ways you can improve your credit report. You can take a look at your payments and see where you have fallen behind. You can take a look at any accounts that have been reported on incorrectly and have that rectified by contacting the creditor. You can even make sure your personal information is correct. That way you know that your credit report contains the right accounts and other details. You would be amazed how one transposed number or other detail can have an impact on a person’s report.
So if you have not already obtained a copy of your credit report, now is the time to do it. That way you can make sure everything is accurate. If not, you can then do what you need to do to fix it, such as making payments on time and paying down balances.
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