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Most people don’t know it, but every time you get a new mobile phone, or apply for a credit card, or buy a laptop or anything else on interest free terms, an enquiry is made on and recorded in your credit file.

Your credit file contains a detailed list of every time you have applied for credit, it contains, when, how much, who applied, with which company and what for.

This information is then available to other shops and mobile phone companies and retail stores like Harvey Norman, Wow Sight & Sound, GE, Avco, Suncorp, NAB, CBA, Westpac, ANZ, etc.etc. (All known as Credit Providers)

This information will help the Credit Providers make a decision. A decision if they should lend you any Money.

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• How Many Enquiries You Have Made In Total
• How Many Enquiries You Have Made In The Last Month Or So
• The $$ Value Of Each Enquiry
• The $$ Value In Total
• If You Have Disclosed All Credit You Have
• The $$ Value In Total
• Objectively Look At If You Feel Like A Good Risk

You can now have the same access to the information as your credit providers do.

You should get a copy of your credit file to make sure all of the information is correct. There’s nothing worse than being refused credit because someone has made a mistake on your Credit File

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Why should you even worry about your credit file?

If you don’t want to apply for credit now or ever in the future (Yeah sure..) then you really don’t need to see what is on your credit file…

If you are like the rest of us though, and need to keep a good credit rating… Then it is in your interest to always have a copy of your credit file on hand.

You should know what people are writing and saying about you.

You imagine it, you think there is nothing wrong with your credit, you are just about to leave on holidays and decide it would be safe to have an extra $500 or $1000 credit card (Just in case of emergencies), You go to your favourite bank or credit card company online and fill in the forms, you expect there will be no problem, then the day before you’re due to leave, you get the news DECLINED and why??

You go on holidays but have this worried feeling in the pit of your stomach… What is wrong with my credit?

This can all be avoided by keeping an up to date copy of your credit file on hand.

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That’s Right, we can have your copy in your inbox within 3 business hours. This is the fastest known service on the internet!

Fill in the details below to begin the process and get a copy of your credit file.

(to see if you will qualify for credit)