A credit report is a means to assess whether someone has attempted to obtain credit in your name. A yearly credit report is also a way you may monitor your file to ensure no errors are on your report. Errors may look like enquiries organisations have made about your credit you can’t explain.
Please note: If you request your credit report, your current contact details will then become available to any lenders, creditors or debt collectors who check your report.
Please note: If a compromise event only just happened, it is recommended that you wait a week before applying for the reports.
If you would like help understanding the process or need assistance in obtaining or interpreting your credit report please contact IDCARE.
Disclaimer © 2018 Copyright Identity Care Australia & New Zealand Ltd. While every effort has been made to ensure the accuracy of the information in this FACT SHEET, IDCARE disclaims any liability to any person in respect to any actions performed or not performed as a result of the contents of the alert or any accompanying data provided. Note our service is free to the community and our Counsellors will never ask you to provide your personal information and credentials if we make contact with you.
When a ban is put in place it basically ‘freezes’ access to your credit file.view fact sheet
A credit reporting agency is a private company that collects data and maintains historical information.view fact sheet
Identity theft is a type of fraud that involves the compromise of identifying information.view fact sheet