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Credit
history,
credit report or credit reputation is a record of
an individual's or company's past borrowing and
repaying, including information about late payments and
bankruptcy.
Credit
risk -
the
risk of loss due to a debtor's non-payment of a loan or
credit card or other kind of credit
Most
lenders have their own models to rank potential and
existing customers according to risk, and then apply
appropriate strategies.
For
unsecured personal loans or mortgages, lenders charge a
higher price for higher risk customers and vice versa.
With
products as credit cards and overdrafts, risk is
controlled through setting of credit limits. Some
products also require security, most commonly in the
form of property.
How do you get a copy of your credit report?
Within Australia
contact Veda Advantage or Dun & Bradstreet to obtain a copy
of your credit report. You will be asked to provide the
following information to enable Veda Advantage or Dun &
Bradstreet to properly identify you:
·
your
full name
·
your
address
·
your
date of birth
·
your
previous address
·
your
driver's licence number.
You can contact Veda Advantage or Dun & Bradstreet by
telephone, in writing, by fax or via the websites.
Contact details for Veda Advantage are:
Veda Advantage Public Access
PO Box 964
North Sydney NSW 2059
Phone:1300 762 207
Fax: (02) 9951 7880
URL:
http://www.mycreditfile.com.au
Contact details for Dun & Bradstreet are:
Public Access Centre
Dun & Bradstreet (Australia) P/L
PO Box 7405
St Kilda Road VIC 3004
Phone: 132 333
Fax: 03 9828 3185
URL:
https://secure.dnb.com.au/ccb/AU/your_credit_file.asp
Credit reports are generally required to be given free of
charge.
People living in
Tasmania should contact the Tasmanian Collection
Service:
GPO Box 814H
Hobart TAS 7001
Phone: 03 6223 5599
Fax: 03 6234 2988
URL:
http://www.tascol.com.au/reports.htm
For more
information, visit Web sites created by federal,
provincial, territorial governments and their partners
specifically to provide citizens with convenient,
one-stop access to hundreds of objective, reliable,
current consumer information sources.
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