Where to go for Credit History Check?

staria said :

How a positive/negative credit history is calculated is an absolute sham. I remember when I first started working full time and had moved out of home I went to one of the furniture shops to buy a bed. When I enquired about the interest free payment option I was told they would need to do a credit check. I said it wasn’t a problem because I always paid my credit card in full and on time. The sales guy said that would actually work against me and advised me to be late for the next couple of payments! Unreal.

I respectfully suggest that you not take financial advice from a bed salesman. I hope you ignored him.

IP

Depends how much time you have on your hands.
I’d rather just go with prepaid instead of stuffing around with credit history checks. If they won’t give you credit because you don’t have a driver’s licence, and you’ve no intention of doing a runner, then just pre-pay.

I strongly recommend you contact Mission Australia and ask for Jasmine. They can help with any credit related issues and if it turns out you do have a debt, they can make it a lot easier to get it resolved than on your own.

Address: Block E, Cit, 160 Ainsworth Street, Phillip, ACT 2606
Canberra, Woden Valley
Tel: 02 6129 6100

If you’re checking it for a reason, there is another free alternative, maybe not detailed but at least get the number. If you’re curious about the score because you want to buy a car, or a refinance or something, call up the company you want to work with. When the garbage loan modification programs the government came up with first came out, I called up my bank to see if I was eligible, the reps told me what my score was when they were working out the eligibility.
Travor from CanadaLoanSearch

How a positive/negative credit history is calculated is an absolute sham. I remember when I first started working full time and had moved out of home I went to one of the furniture shops to buy a bed. When I enquired about the interest free payment option I was told they would need to do a credit check. I said it wasn’t a problem because I always paid my credit card in full and on time. The sales guy said that would actually work against me and advised me to be late for the next couple of payments! Unreal.

They also look for things like “not many address changes in the past x years” and yes even just shopping around or enquiring about whether credit cards are right for you counts against you for some reason. You’re not worth any money to anyone if you haven’t proven that you’ll happily live in debt like an idiot.

But what’s the ISP? They usually charge a month in advance so there’s no actual risk to them. As long as you have a debit card that works on whatever day it’s due, they don’t care.

just had a look and the Dun and Bradstreet process seems to be the simplest (no need to scan documents to them). it does ask for drivers licence but not sure what happens if you don’t have one.

joingler said :

Thanks all for your input.

None of the link people have given me I am able to use as I don’t actually have a drivers license. I will try phoning some of them tomorrow to sort this out.

I don’t know how credit history stuff works on the back end, but is it possible that your lack of a drivers license is causing you issues? It’d be interesting to know if no information in the ‘driver’s license number’ field is enough to make some service providers think twice.

As far as the phone contract you got, I’d say they didn’t ever bother to check in with any credit reporting agencies before signing you up. Every mobile contract I’ve ever signed has been with me sitting in the shop, without me having to do anything bar sign something to say that I accept the contract and promise to pay my bills. I’m surprised that an ISP when to that length actually.

Thanks all for your input.

None of the link people have given me I am able to use as I don’t actually have a drivers license. I will try phoning some of them tomorrow to sort this out.

Yeah Veda advertise their big dollar credit checks everywhere on the site, you really have to dig deep to find the free option – even then you need to print out a form, fill it in and sign it, scan it back as a PDF and then wait a fortnight or more for them to email it to you. Remind you of Vogons?

The Veda free check link is halfway down this page: http://www.veda.com.au/understanding-your-credit-file