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How to clear my credit history?

How to clear my credit history?

Key message

  • You have got a directly to have information that is inaccurate your credit history corrected totally free
  • Significant changes into the given information which can be included on the credit history happened on 12 March 2014.

Can I have errors corrected in my own credit file?

Yes. The Privacy Act 1988 (Cth) states that you’ve got the directly to get a modification on your own credit file for just about any inaccurate, out-of-date, incomplete, irrelevant or deceptive information. This can be done totally free.

How do I uncover what is in my own credit file?

Credit bodies that are reporting and hold credit history. Credit reporting bodies consist of: Equifax (previously Veda Advantage), Dun & Bradstreet and Experian Credit Services Australia.

There are wide range of methods to discover what is with in your credit history. The right is had by you:

  • To acquire a free content of the credit file. a credit rating human anatomy cannot fee because of this, if you don’t obtained a duplicate of the credit history from their website in the last one year;
  • To get a free content of the credit history within 3 months of getting a software for credit refused;
  • The reason for a loan refusal to be informed by a credit provider.

Just just What regulations use?

The Privacy Act 1988 (Cth) put down the legislation pertaining to information held about yourself on the credit history. The Credit Reporting Privacy Code sets out of the techniques these records is noted on your credit file.