You can check what is on your credit file in a number of ways.  If you have time on your hands, you can request a copy of your credit report for free from one of the credit reference agencies.  The request needs to be made in writing, and your credit report will take 10 working days from date of receipt to be sent to you.

If you require it urgently, the credit reference agencies will charge you a fee of around $30, and generally your credit report will be despatched for you within one working day.  Below are links for credit reporting agencies:

http://www.vedaadvantage.com/personal/mcf/my-credit-file.dot

http://dnb.com.au/Credit_Reporting/Order_my_consumer_report/index.aspx

http://www.tascol.com.au/reports.htm

For more information on removing defaults or bad credit listings from your credit file, please have a look at www.MyCRA.com.au or call 07 3124 7133 for FREE info..