Comments on: View Your Credit File-Record for FREE http://www.bhatt.id.au/blog/view-your-credit-file-record-for-free/ Technology Reviews, Movies and TV Shows, Personal Finance, Politics, Environment, Books... Tue, 07 Feb 2012 04:06:03 +0000 hourly 1 http://wordpress.org/?v=3.0.5 By: Graham Doessel http://www.bhatt.id.au/blog/view-your-credit-file-record-for-free/#comment-35748 Graham Doessel Sat, 04 Feb 2012 01:16:54 +0000 http://www.bhatt.id.au/blog/view-your-credit-file-record-for-free/#comment-35748 Hi Bobby, If you defaulted your loan in 2003 then there is a good chance it would have affected your credit rating... If your creditor could not contact you for a period of time, it is also likely that they listed you as a 'clearout', which is a 'serious credit infringement' which remains on your credit file for 7 years. Let's look at the timeline. Issues in 2003 One year of no contact 2004 Clearout listed on credit file until 2011 It's now 2012, you should think about going to Veda Advantage to get a free copy of your credit file. (it'll take approx 10 working days) The Clearout should now have dropped off automatically. As for the debt collector chasing you, I can't imagine why they would be, there is a statute of limitations on the debt of 6 years, but a lot depends on the date of maturity of the original debt. You can get all the info and web addresses on how to get a free credit file for Veda Advantage, Dun & Bradstreet and Tascol, the 3 active Credit Reporting Agencies (CRA) currently operating in Australia, from www.FixMyBadCredit.com.au or you can dig through the CRA websites until you find them. They'll push hard to charge you a $36 fee but you can get them free.. :-) Let me know if I can be of any further help. Hi Bobby,
If you defaulted your loan in 2003 then there is a good chance it would have affected your credit rating…

If your creditor could not contact you for a period of time, it is also likely that they listed you as a ‘clearout’, which is a ‘serious credit infringement’ which remains on your credit file for 7 years.

Let’s look at the timeline.

Issues in 2003
One year of no contact 2004
Clearout listed on credit file until 2011

It’s now 2012, you should think about going to Veda Advantage to get a free copy of your credit file. (it’ll take approx 10 working days)

The Clearout should now have dropped off automatically.

As for the debt collector chasing you, I can’t imagine why they would be, there is a statute of limitations on the debt of 6 years, but a lot depends on the date of maturity of the original debt.

You can get all the info and web addresses on how to get a free credit file for Veda Advantage, Dun & Bradstreet and Tascol, the 3 active Credit Reporting Agencies (CRA) currently operating in Australia, from http://www.FixMyBadCredit.com.au or you can dig through the CRA websites until you find them. They’ll push hard to charge you a $36 fee but you can get them free.. :-)

Let me know if I can be of any further help.

]]> By: Bobby http://www.bhatt.id.au/blog/view-your-credit-file-record-for-free/#comment-35744 Bobby Fri, 03 Feb 2012 05:00:59 +0000 http://www.bhatt.id.au/blog/view-your-credit-file-record-for-free/#comment-35744 Hope someone could help me, back in 2003 I got defaulted on a loan I took. The reason for this is I had to relocate overseas for 1 year and this was due to reasons beyond my control. Anyhow in 2011 I called a phone company to get the phone connection under my name and they refused to give me the connection saying that there is a default listed under my name... After this a couple of weeks later I got a letter from a collection agency demanding for a pay. Now my question is does VEDA give these information to credit collectors as soon as they get a lead? Or else how did the collection agency found out about this? Hope someone could help me, back in 2003 I got defaulted on a loan I took. The reason for this is I had to relocate overseas for 1 year and this was due to reasons beyond my control. Anyhow in 2011 I called a phone company to get the phone connection under my name and they refused to give me the connection saying that there is a default listed under my name… After this a couple of weeks later I got a letter from a collection agency demanding for a pay. Now my question is does VEDA give these information to credit collectors as soon as they get a lead? Or else how did the collection agency found out about this?

]]> By: aaron http://www.bhatt.id.au/blog/view-your-credit-file-record-for-free/#comment-34469 aaron Sun, 09 Oct 2011 12:36:58 +0000 http://www.bhatt.id.au/blog/view-your-credit-file-record-for-free/#comment-34469 Aid an Yes you can get credit but it will be hard and you must inform a credit provider of your bankruptcy however you will find it hard. Essential services such as gas tell and electricity is different. Lets be honest anyone who has signed up for these utilities knows you can call yourself Ronald McDonald for all they care no retailer such as Telstra or AGL checks properly who you are they just check if Ronald McDonald with licence number XXX has a default with their particular company. I have never been asked to prove my identity for a gas phone or electricity account before. Mobile is different of course Renting is different state to state but I've also never had to be checked for credit for a rental before either. After all you pay in advance and give a bond so no credit is ever provided unless they allow arrears in rent Aid an

Yes you can get credit but it will be hard and you must inform a credit provider of your bankruptcy however you will find it hard.

Essential services such as gas tell and electricity is different. Lets be honest anyone who has signed up for these utilities knows you can call yourself Ronald McDonald for all they care no retailer such as Telstra or AGL checks properly who you are they just check if Ronald McDonald with licence number XXX has a default with their particular company.

I have never been asked to prove my identity for a gas phone or electricity account before. Mobile is different of course

Renting is different state to state but I’ve also never had to be checked for credit for a rental before either. After all you pay in advance and give a bond so no credit is ever provided unless they allow arrears in rent

]]> By: Aidan http://www.bhatt.id.au/blog/view-your-credit-file-record-for-free/#comment-34468 Aidan Sun, 09 Oct 2011 04:47:08 +0000 http://www.bhatt.id.au/blog/view-your-credit-file-record-for-free/#comment-34468 So let me get this straight, if you go bankrupt you cant get any form of credit for 7 years, from renting a house to getting a car, even a mobile phone contract, let alone connecting power, water and gas? So how does one survive at all? Move in with parents for 7 years?, oooo fun... And even after that its still almost impossible to get any finance for anything. So let me get this straight, if you go bankrupt you cant get any form of credit for 7 years, from renting a house to getting a car, even a mobile phone contract, let alone connecting power, water and gas? So how does one survive at all? Move in with parents for 7 years?, oooo fun… And even after that its still almost impossible to get any finance for anything.

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