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Your credit file is an important part of your financial identity. A poor credit record makes it difficult to access finance for larger purchases like a car or a home and may also mean you are only accepted by less competitive lenders that may charge higher fees or interest rates.
A lot of information is recorded on your credit file including loan applications, late loan repayments, defaults and details about your identity. It's important to check all of this information to make sure it is accurate
You can check your credit report for free with finder and check it at any time in your finder account. We'll also let you know if something on your report changes.
Banks know your credit score, so why shouldn't you? The Finder app updates your score automatically each month and lets you know if it changes. Pop in your phone number below to get your download link.
By submitting your phone number, you agree to the Finder privacy policy and terms of use
You may have a mistake on your credit report because the information is:
The first step is to request a copy of your credit file, which you can do for free with finder. The credit report you receive when requesting it through finder will be delivered through Experian and you'll receive it in a few minutes.
You can also get a free copy of your credit file once every 12 months or within 90 days of having a credit application rejected if you'd prefer to request it directly from a credit bureau. You will receive it within 10 days.
Once you have your credit file it will include the following information:
You can report an error to any credit reporting body or creditor. Credit reporting bodies are obliged to investigate reported errors regardless of who made the listing. The responsibility is on the credit reporting bodies to prove that the listing is valid. Here are some steps to follow if you find an error:
Here are some common mistakes you may find in your credit file:
The simplest way to keep your credit file error-free is to check it regularly. If you request your credit report through finder you can access it again at any time in your finder account. We will also notify you whenever something on your report changes so you can keep an eye out for inaccuracies.
You also need to make sure that all payments and debits actually go through, don’t just rely on someone else or automatic transfers to pay your bills. Physically check to see if the money has left your account.
Your credit report is important and it should be checked regularly for accuracy. If you find a genuine mistake it is relatively simple to have it rectified by any of the credit reporting bodies. Doing so will help ensure that you’re treated fairly by lenders.
Get your credit score and comprehensive report now!
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I want to know why I only scored 800 not 1000.
Hi Toula,
Thank you for getting in touch with Finder.
Your credit score is influenced by a range of factors like the age of your credit report, the older your credit report is the more positively it impacts your credit score over time. Your current score of 800 is still in Experian’s Excellent bracket. Please contact Experian directly if you wish to know more about your credit score.
You can find out more about what increases and decreases your credit score here.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni
Hi, on your site you state that “You can report an error to any credit reporting body or creditor. Credit reporting bodies are obliged to investigate reported errors regardless of who made the listing. The responsibility is on the credit reporting bodies to prove that the listing is valid. Here are some steps to follow if you find an error:” I reported to you the incorrect listing of a Latitude Finance loan and was informed to take it up with them. Why? Its your error. Thanks
Hi Kathleen,
Thank you for reaching out to finder.
finder gets your credit information straight from Experian, who is one of the credit reporting agencies. If an error has been made on your credit report, you would need to reach out to the credit reporting agencies to have the correction made. Hope this helps!
Cheers,
Reggie
I was sent an email that says something has changed on my credit report. What was charged: new credit enquiry/enquiries added. Nothing has changed since I first got my first credit score.
Hello Sheryl,
Thank you for your comment.
You would be fine if you’ll request an updated credit report to see what’s changed. If there are changes and new entries on your report, best to validate it.
If you feel that there’s a mistake on your credit file, you may contact the lender or the provider. You can also file a request for an investigation to the credit reporting agency. They need to determine if these defaults could really be taken out. Each credit bureau has their own standard process on doing this so it may vary per credit reporting agency.
Additionally, you may then consult a credit repair specialist for advice on how to go about removing the default. You can go through this page for a guide on how to remove the defaults on your file. I hope this helps.
Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.
Regards,
Jhezelyn
I have a score of 883 what does this mean?
Hi Lisa,
Thanks for your question.
Your score falls under the Excellent (833-1200) bracket. This means that adverse events are highly unlikely to happen within the next 12 months when compared to the average Australian. The odds of no adverse events occurring on your credit file in the next 12 months are five times better than the population average and you are in the top percentile range (81-100%).
For more information on what your credit score means, you can check our guide here.
Cheers,
Anndy