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images (15)There are two credit files in Australia in your name that you need to be on top of.

The first is your Equifax (formerly, Veda) credit file. This is the credit file that lenders always look at when they are working out whether to give you credit or a service.

The second is your Dun & Bradstreet credit file. More often than not lenders ALSO check this credit file to see if it is clear of overdue accounts and court actions.

Do these credit files have the same information about you?

Unfortunately, they often don’t. You may have a default listing on your Veda file, and a serious credit infringement for the same debt on your Dun & Bradstreet credit file. Or you may have exactly the same default or court action on each file. Or you may have a problem on one file and not on the other. That’s why its so important to access both credit files and understand them.

Both of these credit files will have to be clear of any black marks before you can be certain that you will be approved for finance.

My team and I have been assessing credit files for 9 years, and we understand that the secret to finance approvals is understanding your credit files and keeping them in tip top shape.

You do not need to despair if you get your files and find a problem on them. There is help available to remove incorrect listings. Once removed your credit score will jump higher, making it easier to get finance approved.

We offer a service where we assess both of your credit files using our expertise and tell you everything you need to know about them to get approved. This service also includes a copy of both of your credit files accessed on the day you sign up. It’s the most important step you can take to financial freedom.