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How to clear my credit history?

How <a href=""><img src="" alt=""/></a> to clear my credit history?

Key message

  • You’ve got the straight to have information that is inaccurate your credit file corrected totally free
  • Significant changes to the given information that may be included in your credit history took place on 12 March 2014.

Am I able to have errors corrected during my credit history?

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states that you’ve got the directly to get yourself a modification in your credit file for just about any inaccurate, out-of-date, incomplete, unimportant or deceptive information.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

How to discover what is with in my own credit file?

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

You can find quantity of approaches to discover what is in your credit file. You’ve got the right:

  • To get a free content of one’s credit history. a credit rating human body cannot fee because of this, in the previous 12 months unless you obtained a copy of your credit report from them;
  • To acquire a free copy of one’s credit history within ninety days of experiencing a software for credit refused;
  • The reason for a loan refusal to be informed by a credit provider.

Just exactly exactly What laws and regulations use?

The Privacy Act 1988 (Cth) lay out the statutory legislation in terms of information held about yourself in your credit history. The Credit Reporting Privacy Code sets out of the real techniques these records is noted on your credit file.