Hello can anyone tell me what kind of things affect ones Credit History obviously Defalting on a load would make things hard but what about a couple of 1 or 2 day late payments over 7
or eight years would that make any differance?
also how does one go about finding out there Credit History ?
Facts Only Please
Thank youLookup Baycorp Advantage on the web – think it costs about $20 to order your credit report online.
To have a default listed against you eg from a late telco bill, they have to give you a couple of warnings first, but up to two months overdue is asking for trouble. A lot of lenders will overlook small paid defaults of up to $300 but clean is best!
Also listed on your report are investigations by institutions every time you apply for credit – eg bank loans, car leases, store credit cards etc etc and if there are too many noted that don’t match eg the no. of credit cards you declare having, there can be problems as often it shows you’ve applied for and been knocked back from several institutions, making them suspicious of the ‘facts’ you’ve provided.
Hope that helps.
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MelMel,
If you dig into Baycorp they actually mail out your credit reference free of charge – just takes a little longer and I bet you get their advertising bumph as well.
Look for the free section.
cheers,
Simon Macks
Mortgage Hunter
[email protected]
0425 228 985Thanx Simon [
]Mel
Here is the link… http://www.mycreditfile.com.au/personal_information/free_credit_services.asp?CountryID=1&UserTypeID=11
Cheers
Stu
Property & Finance News
at http://www.prosolution.com.au
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