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Casual Articles - Everything You Always Wanted to Know About Your Credit Report But Were Afraid to Ask
Follow these seven tips to get more out of the money you spend at Yahoo!1) Find more keywordsDon't limit your keywords to variations of your primary keyword. If you promote individual items, add those keywords to your list. Be sure to include misspellings.There are a number of excellent free keyword tools to help you come up with ideas. Try these sites for a start:• Google's free Adwords keyword tool https://adwords.google.com/select/KeywordSandbox • Overture's Keyword Tool http://www.inventory.overture.com • Good Keywords http://www.GoodKeywords.com • NicheBot http://www.nichebot.com/ • Keyword Research Tool at the Webmaster's Toolkit http://www.webmaster-toolkit.com/keyword-research-tool.shtmlIf you're really stumped for ideas, visit other websites in your niche and review their keywords. Pay particular attention to keywords in metatags, alt tags and title tags.2) Bid smarterBeing in the first position isn't always ideal. PPC research has shown that the ad in the first position frequently gets clicked as a reflex. These “curiosity clicks” tend to have a low return on investment. Your best bet may be around 3rd position; o
Please note that in Australia you are not able to change your driver’s licence number. Once it has been issued – it stays with you for life. As you know your driver’s licence is often used to identify an individual and if the number is stolen, a new one is created to match the original and then problem never goes away.
What steps should I take to protect my identity?
You need to guard your personal information such as your date of birth and your driver’s licence number, bank account details etc.
Contact your financial institution immediately if your cards are lost or stolen. Keep your PIN (Personal Identification Number) confidential and separate from your card.
What can I do if someone is using my identity or has done so in the past? Credit fraud is a crime. If you believe that information held on your credit file has been caused by another individual fraudulently using your identity details:
• Obtain a copy of your credit file to confirm someone has used your identity
• Contact the police and report the crime
• Contact the credit providers involved and inform them of the fraudulent activity, otherwise they may hold you responsible for any bad debt incurred.
My Credit Report and the Credit Providers
Will all my credit applications be reflected on my credit report?
No. However, most credit providers considering applications for credit, or the supply of goods and services where payment is deferred, choose to perform a credit check to ensure their decision to approve or decline an applicant is sound.
Once a Credit Check is performed by a credit provider it will be reflected as a Credit Inquiry on your credit file.
Who is able to add or change information on my credit report?
Any Credit provider wh
Remember playing in your childhood sandbox? If you enjoyed being outside for most of the day, you could play in the sandbox for hours on end—shaping and pouring the sand or mixing it with a little water to form a castle or hill. Children enjoy playing with sand or dirt and learn at an early age how to make the most of this play time activity.Playing in a sandbox usually starts out as a solitary exercise; however, smart parents know that in order to develop their child’s ability to relate to others, another child or two must be introduced into that same sandbox. This is when the fun truly begins.When children play together in the same sandbox: They learn to trust each other.Their ability to be gentle, kind and considerate is developed.Friendships are initiated and nurtured.Positive interaction increases and selfishness decreases.They find creative ways to work together, satisfying their curiosity and increasing their enjoyment and fun. You’re Never Too Old for the SandboxThere’s a tremendous amount of pressure as we grow older to learn to act our age (whatever that means). In fact, most people con
Who are Baycorp Advantage?
Baycorp Advantage are Australia’s leading credit reporting agency. Their activities are regulated by the Federal Government and the Privacy Act. Their database contains more than 11 million consumer and 1 million commercial credit files. It includes records on the credit activity of Australian individuals, companies and businesses.
The credit data held is quite detailed and is regularly updated. It includes:
• Personal details such as:
residential address
date of birth
drivers licence number
• Credit applications and enquiries you have made during the past five years
• Records of some current credit accounts
• Overdue Accounts and Defaults which may have been listed against your name by credit providers
• Bankruptcy information
• Judgments
• Public record information such as Directorships and Proprietorships.
Are there any other organisations I can get my credit details from?
While Australia also has other credit reporting agencies Baycorp Advantage are the biggest.
About Credit Files
What is a credit file?
A credit file is a comprehensive record on each financially active individual and entity in Australia. It includes your age, details of your employment, residential address, credit applications made, credit arrears, defaults, judgements, bankruptcies etc.
Does anyone not have a credit file?
Persons who have applied for credit in the past 7 years will have a credit file. Persons who have never applied for credit such as the young, new migrants etc. will not have a credit file.
When and how did my credit file start?
Your credit file is initiated by the credit provider the first time you apply for a loan, or make any type of finance application. Once your initial credit file is set up, subsequent credit providers update your file by adding the relevant credit application details and any change of address information.
Do I have to pay for access to my information?
There is no fee associated with access to a credit report held by a credit provider. Also, you will generally not be charged a fee for access to your file held by a credit reporting agency if access relates to a refusal for credit or is related to the management of your credit arrangements. If a fee has been requested and you have been denied access because you refuse to pay the fee, you may refer the matter to the Privacy Commissioner.
Understanding Your Credit File
For how long is my credit information be kept on the credit file?
• Credit applications, enquiries and overdue accounts are held on your file for five years
• Bankruptcy information is held on your file for seven years (prior to January 1998, Bankruptcy information was held for five years)
• Clearout information is held for seven years (if listed before 31 January 2000, the information is held for five years)
• Court Judgments are held for five years (excluding NSW & ACT)
• Queensland & WA Writs & Summons are held on an individual’s file for two years, Company/ Business files for four years
• Identity information, which includes name, date of birth, sex, drivers license, address history, and cross-reference names (if any) are held for the life of the credit file. This information is used to distinguish the credit file from others held in the database
• Purge dates are calculated on the date the information was added to the file, and are based on the time limits provided in the Privacy Act 1988
• Files are scanned each month and out of date information is automatically purged to ensure the files are accurate.
What can be done if the information is incorrect?
If you believe the information on your file held by a credit reporting agency is inaccurate you can request that it be altered. If the credit reporting agency establishes that an amendment is necessary, it must make the amendment to your file promptly. If the agency does not make the requested changes, you have a right to include a statement, provided by you, on your file. Once the amendment is made, or a statement is added, to your file, the agency will send you a copy of your amended credit information file and advise you that you have the right to nominate other persons who you would like to be informed of the change where those persons had access to your file in the previous three months.
How do I tell what my credit rating is?
Baycorp Advantage does not hold a score or credit rating on your credit file.
Some credit providers may score or rate an application as part of the process to assess the risk involved in providing credit to you.
This technique involves building a score or credit rating based on the information you provide on the application form and the information held on your credit file.
While there will be no Credit Rating with a number against your name , your past credit behaviour as reflected on your credit report will be used as a guide by future lenders in determining whether you have a “Bad Credit History” and whether you are a “Good Credit Risk”.
Credit Report Arrears and Defaults
What is an Arrear or a Default?
An arrear is a late payment on any one of your bills. This may relate to a Utility Bill or a Loan repayment. A Default is an Arrear that was not paid for an extended period of time. Defaults may be paid or unpaid.
If I pay my default will it come off the report?
Defaults will remain listed on your credit report even after they have been paid. In fact, depending on the nature of the default they may remain on your credit report for up to 5 years after they have been paid.
How do I remove an entry off my report?
There may be reasons why you believe that an entry should not have been made on your report and you would like to have it removed.
To achieve this you need to write to the credit reporting agency and the credit provider who listed the default on your credit report – and explain why the default should be removed.
What can I do if I think a credit reporting agency has not dealt with my access or amendment request properly?
You are entitled to have your problem handled under the dispute settling procedures set out in the Credit Reporting Code of Conduct issued by the Privacy Commissioner. Under these procedures, the credit reporting agency or credit provider should be the first point of contact for lodging disputes.
If the credit reporting agency or credit provider is unable to resolve the matter, or if you are not satisfied with the action taken, you are able to complain to the Privacy Commissioner who has the power to investigate the matter, and if necessary, to order credit providers or credit reporting agencies to change their procedures, amend information or compensate you financially for loss or damage resulting from a credit reporting infringement.
Issues with Credit Fraud
What is known as Credit Fraud?
One of the most common forms of credit fraud is committed by ‘stealing’ the identity of another individual. Someone obtains your identity details and uses them to obtain credit for themselves, leaving you with the potential liability for this debt, a damaged credit reputation and the inconvenience of amending your credit file. This is done by either stealing your wallet, your driver’s license or any other personal information.
Please note that in Australia you are not able to change your driver’s licence number. Once it has been issued – it stays with you for life. As you know your driver’s licence is often used to identify an individual and if the number is stolen, a new one is created to match the original and then problem never goes away.
What steps should I take to protect my identity?
You need to guard your personal information such as your date of birth and your driver’s licence number, bank account details etc.
Contact your financial institution immediately if your cards are lost or stolen. Keep your PIN (Personal Identification Number) confidential and separate from your card.
What can I do if someone is using my identity or has done so in the past? Credit fraud is a crime. If you believe that information held on your credit file has been caused by another individual fraudulently using your identity details:
• Obtain a copy of your credit file to confirm someone has used your identity
• Contact the police and report the crime
• Contact the credit providers involved and inform them of the fraudulent activity, otherwise they may hold you responsible for any bad debt incurred.
My Credit Report and the Credit Providers
Will all my credit applications be reflected on my credit report?
No. However, most credit providers considering applications for credit, or the supply of goods and services where payment is deferred, choose to perform a credit check to ensure their decision to approve or decline an applicant is sound.
Once a Credit Check is performed by a credit provider it will be reflected as a Credit Inquiry on your credit file.
Who is able to add or change information on my credit report?
Any Credit provider who
Napoleon Bonaparte is still studied for his military axioms and tactics. Most marketers realize that marketing is a form of warfare — albeit without the national imperative or the mortal risks.At Stealing Share, we look for clues anywhere we can find them and we study success (as well as failure) to learn both the lessons and pratfalls. Napoleon has always held a special place in our mythology because his pithy military quips provide an innate understanding of human nature and the nature of struggle. Sun Tzu, the revered author of the Art of War has been studied by marketers for more than two decades — as you will see, Napoleon deserves the same treatment.”One bad general is worth two good ones”Napoleon was referring to the importance of being single-minded in both process and purpose. What is interesting about the statement is that he did not compare one good general to two good ones — he compared a bad one to two good ones. In marketing, focus and single-minded intent is the best predictor of success. When you build a brand to steal market share, deciding on a single mission is often your biggest hurdle.Human nature tells us that all too often we are too clos
Do I have to pay for access to my information?
There is no fee associated with access to a credit report held by a credit provider. Also, you will generally not be charged a fee for access to your file held by a credit reporting agency if access relates to a refusal for credit or is related to the management of your credit arrangements. If a fee has been requested and you have been denied access because you refuse to pay the fee, you may refer the matter to the Privacy Commissioner.
Understanding Your Credit File
For how long is my credit information be kept on the credit file?
• Credit applications, enquiries and overdue accounts are held on your file for five years
• Bankruptcy information is held on your file for seven years (prior to January 1998, Bankruptcy information was held for five years)
• Clearout information is held for seven years (if listed before 31 January 2000, the information is held for five years)
• Court Judgments are held for five years (excluding NSW & ACT)
• Queensland & WA Writs & Summons are held on an individual’s file for two years, Company/ Business files for four years
• Identity information, which includes name, date of birth, sex, drivers license, address history, and cross-reference names (if any) are held for the life of the credit file. This information is used to distinguish the credit file from others held in the database
• Purge dates are calculated on the date the information was added to the file, and are based on the time limits provided in the Privacy Act 1988
• Files are scanned each month and out of date information is automatically purged to ensure the files are accurate.
What can be done if the information is incorrect?
If you believe the information on your file held by a credit reporting agency is inaccurate you can request that it be altered. If the credit reporting agency establishes that an amendment is necessary, it must make the amendment to your file promptly. If the agency does not make the requested changes, you have a right to include a statement, provided by you, on your file. Once the amendment is made, or a statement is added, to your file, the agency will send you a copy of your amended credit information file and advise you that you have the right to nominate other persons who you would like to be informed of the change where those persons had access to your file in the previous three months.
How do I tell what my credit rating is?
Baycorp Advantage does not hold a score or credit rating on your credit file.
Some credit providers may score or rate an application as part of the process to assess the risk involved in providing credit to you.
This technique involves building a score or credit rating based on the information you provide on the application form and the information held on your credit file.
While there will be no Credit Rating with a number against your name , your past credit behaviour as reflected on your credit report will be used as a guide by future lenders in determining whether you have a “Bad Credit History” and whether you are a “Good Credit Risk”.
Credit Report Arrears and Defaults
What is an Arrear or a Default?
An arrear is a late payment on any one of your bills. This may relate to a Utility Bill or a Loan repayment. A Default is an Arrear that was not paid for an extended period of time. Defaults may be paid or unpaid.
If I pay my default will it come off the report?
Defaults will remain listed on your credit report even after they have been paid. In fact, depending on the nature of the default they may remain on your credit report for up to 5 years after they have been paid.
How do I remove an entry off my report?
There may be reasons why you believe that an entry should not have been made on your report and you would like to have it removed.
To achieve this you need to write to the credit reporting agency and the credit provider who listed the default on your credit report – and explain why the default should be removed.
What can I do if I think a credit reporting agency has not dealt with my access or amendment request properly?
You are entitled to have your problem handled under the dispute settling procedures set out in the Credit Reporting Code of Conduct issued by the Privacy Commissioner. Under these procedures, the credit reporting agency or credit provider should be the first point of contact for lodging disputes.
If the credit reporting agency or credit provider is unable to resolve the matter, or if you are not satisfied with the action taken, you are able to complain to the Privacy Commissioner who has the power to investigate the matter, and if necessary, to order credit providers or credit reporting agencies to change their procedures, amend information or compensate you financially for loss or damage resulting from a credit reporting infringement.
Issues with Credit Fraud
What is known as Credit Fraud?
One of the most common forms of credit fraud is committed by ‘stealing’ the identity of another individual. Someone obtains your identity details and uses them to obtain credit for themselves, leaving you with the potential liability for this debt, a damaged credit reputation and the inconvenience of amending your credit file. This is done by either stealing your wallet, your driver’s license or any other personal information.
Please note that in Australia you are not able to change your driver’s licence number. Once it has been issued – it stays with you for life. As you know your driver’s licence is often used to identify an individual and if the number is stolen, a new one is created to match the original and then problem never goes away.
What steps should I take to protect my identity?
You need to guard your personal information such as your date of birth and your driver’s licence number, bank account details etc.
Contact your financial institution immediately if your cards are lost or stolen. Keep your PIN (Personal Identification Number) confidential and separate from your card.
What can I do if someone is using my identity or has done so in the past? Credit fraud is a crime. If you believe that information held on your credit file has been caused by another individual fraudulently using your identity details:
• Obtain a copy of your credit file to confirm someone has used your identity
• Contact the police and report the crime
• Contact the credit providers involved and inform them of the fraudulent activity, otherwise they may hold you responsible for any bad debt incurred.
My Credit Report and the Credit Providers
Will all my credit applications be reflected on my credit report?
No. However, most credit providers considering applications for credit, or the supply of goods and services where payment is deferred, choose to perform a credit check to ensure their decision to approve or decline an applicant is sound.
Once a Credit Check is performed by a credit provider it will be reflected as a Credit Inquiry on your credit file.
Who is able to add or change information on my credit report?
Any Credit provider wh
Big Spending is Not a StrategyIf you have a marketing budget in excess of $80 million, you can sell just about anything — even Sunny Delight. You might even be able to convince some people that your product is good for them. And, as proof, point out that it has as much vitamin C as a small orange or tangerine. When you play with unlimited budgets, even a poor or generic product or service can sell. It would still help to have a brand but you can buy trial if all else fails. If you are willing and able to spend tremendous funds on advertising, there is no need to be different and better.Why does this “non-strategy” work? You might have to go back to the days of Rosser Reeves to find the answer. He extolled “Find a unique selling proposition and repeat it over and over again” ad nauseam. Such a marketing tactic (I dare not call it a strategy) sold us Excedrin and bubble gum. While we all came to hate the “Doublemint Twins” it is hard to find anyone over the age of 30 that can’t still parrot the inane and repetitive song of “Double you pleasure, double your fun with Doublemint, Doublemint — Doublemint Gum”. We may have gotten a headache from the repetitive commercials but we
What can be done if the information is incorrect?
If you believe the information on your file held by a credit reporting agency is inaccurate you can request that it be altered. If the credit reporting agency establishes that an amendment is necessary, it must make the amendment to your file promptly. If the agency does not make the requested changes, you have a right to include a statement, provided by you, on your file. Once the amendment is made, or a statement is added, to your file, the agency will send you a copy of your amended credit information file and advise you that you have the right to nominate other persons who you would like to be informed of the change where those persons had access to your file in the previous three months.
How do I tell what my credit rating is?
Baycorp Advantage does not hold a score or credit rating on your credit file.
Some credit providers may score or rate an application as part of the process to assess the risk involved in providing credit to you.
This technique involves building a score or credit rating based on the information you provide on the application form and the information held on your credit file.
While there will be no Credit Rating with a number against your name , your past credit behaviour as reflected on your credit report will be used as a guide by future lenders in determining whether you have a “Bad Credit History” and whether you are a “Good Credit Risk”.
Credit Report Arrears and Defaults
What is an Arrear or a Default?
An arrear is a late payment on any one of your bills. This may relate to a Utility Bill or a Loan repayment. A Default is an Arrear that was not paid for an extended period of time. Defaults may be paid or unpaid.
If I pay my default will it come off the report?
Defaults will remain listed on your credit report even after they have been paid. In fact, depending on the nature of the default they may remain on your credit report for up to 5 years after they have been paid.
How do I remove an entry off my report?
There may be reasons why you believe that an entry should not have been made on your report and you would like to have it removed.
To achieve this you need to write to the credit reporting agency and the credit provider who listed the default on your credit report – and explain why the default should be removed.
What can I do if I think a credit reporting agency has not dealt with my access or amendment request properly?
You are entitled to have your problem handled under the dispute settling procedures set out in the Credit Reporting Code of Conduct issued by the Privacy Commissioner. Under these procedures, the credit reporting agency or credit provider should be the first point of contact for lodging disputes.
If the credit reporting agency or credit provider is unable to resolve the matter, or if you are not satisfied with the action taken, you are able to complain to the Privacy Commissioner who has the power to investigate the matter, and if necessary, to order credit providers or credit reporting agencies to change their procedures, amend information or compensate you financially for loss or damage resulting from a credit reporting infringement.
Issues with Credit Fraud
What is known as Credit Fraud?
One of the most common forms of credit fraud is committed by ‘stealing’ the identity of another individual. Someone obtains your identity details and uses them to obtain credit for themselves, leaving you with the potential liability for this debt, a damaged credit reputation and the inconvenience of amending your credit file. This is done by either stealing your wallet, your driver’s license or any other personal information.
Please note that in Australia you are not able to change your driver’s licence number. Once it has been issued – it stays with you for life. As you know your driver’s licence is often used to identify an individual and if the number is stolen, a new one is created to match the original and then problem never goes away.
What steps should I take to protect my identity?
You need to guard your personal information such as your date of birth and your driver’s licence number, bank account details etc.
Contact your financial institution immediately if your cards are lost or stolen. Keep your PIN (Personal Identification Number) confidential and separate from your card.
What can I do if someone is using my identity or has done so in the past? Credit fraud is a crime. If you believe that information held on your credit file has been caused by another individual fraudulently using your identity details:
• Obtain a copy of your credit file to confirm someone has used your identity
• Contact the police and report the crime
• Contact the credit providers involved and inform them of the fraudulent activity, otherwise they may hold you responsible for any bad debt incurred.
My Credit Report and the Credit Providers
Will all my credit applications be reflected on my credit report?
No. However, most credit providers considering applications for credit, or the supply of goods and services where payment is deferred, choose to perform a credit check to ensure their decision to approve or decline an applicant is sound.
Once a Credit Check is performed by a credit provider it will be reflected as a Credit Inquiry on your credit file.
Who is able to add or change information on my credit report?
Any Credit provider wh
Publishing a free newsletter is an effective and inexpensive marketing strategy with several business benefits. Here are some of those benefits:1. Increases salesProspects only become paying clients when they know, like, and trust your business. Publishing a free newsletter is a way of making your readers get more acquainted with your business. As a result, this will increase sales. You’ll find that when you convert your readers into paying clients, they’ll repeatedly buy more of your services as they get to know you more, like you more and trust you more.2. Positions you as an expert in your fieldExperts can charge more for their services, and they often get more media exposure. By providing helpful tips to your readers, a newsletter is another vehicle for demonstrating your expertise, and showcasing your knowledge and skills. This will enhance your credibility in the marketplace and therefore attract more clients.3. It’s cost-effectivePublishing and distributing an electronic newsletter is inexpensive because it is delivered by email, and there’s zero cost on printing and postage. Of course you can choose to publish in hard copy format, but that will defeat the cost-effe
How do I remove an entry off my report?
There may be reasons why you believe that an entry should not have been made on your report and you would like to have it removed.
To achieve this you need to write to the credit reporting agency and the credit provider who listed the default on your credit report – and explain why the default should be removed.
What can I do if I think a credit reporting agency has not dealt with my access or amendment request properly?
You are entitled to have your problem handled under the dispute settling procedures set out in the Credit Reporting Code of Conduct issued by the Privacy Commissioner. Under these procedures, the credit reporting agency or credit provider should be the first point of contact for lodging disputes.
If the credit reporting agency or credit provider is unable to resolve the matter, or if you are not satisfied with the action taken, you are able to complain to the Privacy Commissioner who has the power to investigate the matter, and if necessary, to order credit providers or credit reporting agencies to change their procedures, amend information or compensate you financially for loss or damage resulting from a credit reporting infringement.
Issues with Credit Fraud
What is known as Credit Fraud?
One of the most common forms of credit fraud is committed by ‘stealing’ the identity of another individual. Someone obtains your identity details and uses them to obtain credit for themselves, leaving you with the potential liability for this debt, a damaged credit reputation and the inconvenience of amending your credit file. This is done by either stealing your wallet, your driver’s license or any other personal information.
Please note that in Australia you are not able to change your driver’s licence number. Once it has been issued – it stays with you for life. As you know your driver’s licence is often used to identify an individual and if the number is stolen, a new one is created to match the original and then problem never goes away.
What steps should I take to protect my identity?
You need to guard your personal information such as your date of birth and your driver’s licence number, bank account details etc.
Contact your financial institution immediately if your cards are lost or stolen. Keep your PIN (Personal Identification Number) confidential and separate from your card.
What can I do if someone is using my identity or has done so in the past? Credit fraud is a crime. If you believe that information held on your credit file has been caused by another individual fraudulently using your identity details:
• Obtain a copy of your credit file to confirm someone has used your identity
• Contact the police and report the crime
• Contact the credit providers involved and inform them of the fraudulent activity, otherwise they may hold you responsible for any bad debt incurred.
My Credit Report and the Credit Providers
Will all my credit applications be reflected on my credit report?
No. However, most credit providers considering applications for credit, or the supply of goods and services where payment is deferred, choose to perform a credit check to ensure their decision to approve or decline an applicant is sound.
Once a Credit Check is performed by a credit provider it will be reflected as a Credit Inquiry on your credit file.
Who is able to add or change information on my credit report?
Any Credit provider wh
Get Rich Quick Thru Affiliate MarketingStay away from anything that will promise large sums of money in short time periods. Usually they ask you to register into their program and they may also ask for money to join. Never pay to become an affiliate and never register at one of these sites they will fill your inbox with useless spam! Affiliate marketing is an art form and it takes time and patience to develop a great site. Fantastic claims are an indication of unethical practices in affiliate marketing.Spamming Forums, Web Groups, Froogle, and Other Media OutletsNothing kills an affiliate program quicker them spam! A good rule of thumb while using these outlets, is to be genuine about your post or question. I have seen posts that try and mask spam but its easy to see the intent. Use the outlets as a guide to learn about better web design and SEO. If you use these outlets properly you can get good information and inbound links.Masking Your Site As An Actual MerchantSimply building a store is pretty easy with some good affiliate tools, although your store may look great it will get you zero recognition in the search engines. The new SE algorithms do not allow duplicate web content. Rememb
Please note that in Australia you are not able to change your driver’s licence number. Once it has been issued – it stays with you for life. As you know your driver’s licence is often used to identify an individual and if the number is stolen, a new one is created to match the original and then problem never goes away.
What steps should I take to protect my identity?
You need to guard your personal information such as your date of birth and your driver’s licence number, bank account details etc.
Contact your financial institution immediately if your cards are lost or stolen. Keep your PIN (Personal Identification Number) confidential and separate from your card.
What can I do if someone is using my identity or has done so in the past? Credit fraud is a crime. If you believe that information held on your credit file has been caused by another individual fraudulently using your identity details:
• Obtain a copy of your credit file to confirm someone has used your identity
• Contact the police and report the crime
• Contact the credit providers involved and inform them of the fraudulent activity, otherwise they may hold you responsible for any bad debt incurred.
My Credit Report and the Credit Providers
Will all my credit applications be reflected on my credit report?
No. However, most credit providers considering applications for credit, or the supply of goods and services where payment is deferred, choose to perform a credit check to ensure their decision to approve or decline an applicant is sound.
Once a Credit Check is performed by a credit provider it will be reflected as a Credit Inquiry on your credit file.
Who is able to add or change information on my credit report?
Any Credit provider who has been authorised by you to run a credit check and the credit reporting agency such as Baycorp Advantage.
Who can access my credit report?
Under the Privacy Act no one is allowed to check your Credit Report without your written consent.
If you would like to find out more about cleaning your credit or applying for a loan with a Bad Credit Rating, please visit www.webdeal.com.au or www.honeyloans.com.au
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<a href="http://www.casualarticles.com/article/91474/casualarticles-Everything-You-Always-Wanted-to-Know-About-Your-Credit-Report-But-Were-Afraid-to-Ask.html">Everything You Always Wanted to Know About Your Credit Report But Were Afraid to Ask</a>
BB link (for phorums):
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