Did you know that your credit report can determine if your loan application is approved or declined?
Lenders look at your credit history when you apply for any form of credit – let’s find out what they know..
Most Aussies have never checked their own reports, so you’re not alone – yet this information is primarily what a lender will use when deciding to approve or decline your application for credit. If you don’t know what is on your report, you won’t know how to improve your chances of getting the loan you want.
Knowing what is on your credit report, understanding it, and being aware of how to improve it, is vital
You can find out what information the banks and credit agencies have about you and fix any errors on your file – and how to do it all for free. There are many small things that the banks don’t tell you about – and they all impact your credit history and ability to obtain credit.
Get your two free credit reports today
Empire Home Loans has no affiliation with the credit reporting bodies, and we gain nothing by you clicking the links to get your reports. We provide these for your benefit, and you will need to get your reports before we submit a loan application, so it would be wise to get your reports now.
Both credit reporting bodies record information from different lenders on your credit reports, so you need to go to both links to get a full picture of your credit history.
Equifax PDF Report: (previously called Veda)
Illion E-Report and score: (previously called Dunn & Bradstreet. Export your report to PDF)