My CRA recommends you obtain a report on your credit file on a regular basis, usually every 12 months. There are a number of reasons you should check your credit file regularly.
- Any listings that have been added to your file without your knowledge have been added incorrectly. They are therefore errors on your credit file and can be removed.
- If you are going through a divorce or separation, your spouse could have incurred debt in your name without your knowledge.
- You may have been the victim of identity fraud. On your file could be credit applications and defaults from different providers in your name that you have no knowledge of.
If you would like more information on removing defaults from your credit rating, please call 07 3124 7133 of log onto www.MyCRA.com.au for FREE information