Your Credit File

Your credit report is a compilation of your personal and financial data, gathered and maintained by a credit reporting agency. The information contained on your personal credit report can mean the difference between "approval" and "decline" on your next application for credit. Find out what kind of information may be contained in your personal credit report.
 

Of greatest interest to potential lenders is the history of your past and current credit transactions, including any accounts with banks, retailers, credit card companies, and other lenders. This information is used by creditors to determine your past financial behavior, current level of debt and available credit, and other factors which may affect your creditworthiness.

Your report also includes personal information like your current and prior mailing addresses, year of birth, spouse's name, and employment information. It may also contain public record information, such as bankruptcies,  defaults paid or unpaid or any monetary judgments against you.

A credit reporting agency must take all reasonable steps to ensure you can access your report. You should be able to get a copy of your credit report for free by applying in writing to the credit reporting agency.

Veda Advantage or Dun and Bradstreet may take up to 10 days to send your report from the day they receive your application, or sooner if you pay a fee. Tasmanian Collection Service will provide you with a free copy of your report if your application relates to a refusal of credit or the management of your credit arrangements. Otherwise they charge a small fee

You can get a copy of your credit report from these credit reporting agencies: Veda Advantage (previously known as Baycorp Advantage), Dun and Bradstreet, and Tasmanian Collection Service.