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A lot of people may not have seen their credit report before but if you’ve ever set up a utility account (gas or electricity), had a post-pay phone bill or applied for credit of any kind, you will have a credit report of your history building in the background.
This credit report is what your lender will look at when you put in your application for a home loan. Part of their decision on whether to approve your loan enquiry will be based on your credit report and if it looks like you will make a good debtor who pays their loan repayments on time and in full.
Everyone in Australia is entitled to one free Credit Report per year however maintaining a minimum number of searches on your Credit Report is best for any future borrowing so we recommend only obtaining a copy if you think it’s necessary, such as:
– Have you never seen your Credit Report and you’re concerned that you may have something that could cause an issue in the future?
– Have you recently been declined for a credit request?
– Have you ever had any issues with identity fraud?
If you would like to obtain a free copy of your Credit Report you can do so via this link – Get my free Credit Report
There is also a lot of information available to get a clearer understanding of your Credit Report. Below is a list of links to further information about topics that would be ideal to understand on your home ownership journey.