Your Credit Record

Want to know more about credit records?




What is a credit record?


A credit record (otherwise known as credit history or credit file) is a detailed formal record of your personal information, credit requests and transactions for the past 7 years. It contains credit information such as loan requests from banks, any defaults and bankruptcy.


Why would I want to obtain my credit file?


  • It allows you to check what details are visible to companies such as banks and credit providers.
  • It is a record of your credit reputation and can have great influence on risk potential for financial institutes.
  • It can allow you to safeguard yourself against identity fraud.

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How do I get a copy?


You can apply for a copy of your credit file by filling in the application form on the websites for both Veda Advantage and Dun & Bradstreet.

Alternatively, you can mail or fax your request through but you will be required to wait up to 10 working days.

How much does it cost?


All credit reports are free unless you need it urgently (typically delivered by the next working day) and pay for the express fee. Express fees are currently at (February 2015) $30 and $69.95 for Veda Advantage and Dun & Bradstreet respectively.

What do I do if the information on my file is incorrect?


If you have a default on your file that is not yours, you must quickly contact your credit provider for investigation.

If they find that the default is mistaken, then they must contact the reporting agency.

The same applies if you have rectified a default but your file has yet to be updated.

Once you have resolved the situation, your credit provider is required by law to amend the mistake on your credit file as soon as possible.

Any inaccuracies on your file to do with bankruptcy, judgements, court writs and summons, or directorship information can be updated using the appropriate forms on any chosen agencies websites. However, this can take up to 30 days.

Incorrect information can also be an indication of fraud and you should notify the reporting agency immediately.

Cash Finance take no liability on content shown, please consult your legal and financial adviser before making any financial decision.

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