How it works:
Everyone has a right to check their own credit file and unless you need the results posthaste there's no charge for it. Most people think about their credit file only when they are turned down for a loan or their identity has been stolen by a criminal seeking to take out loans in there name. That can mean incorrect information can remain on your file (Veda Advantage says that's relatively rare) or there can be surprises such as a video-store listing a debt for a late DVD you forgot to pay before moving house.
You can check you file for free by filling in a form downloaded from www.mycreditfile.co.nz and faxing or sending it to the firm with photocopies of ID.
You'll receive your credit report by post, exactly as lenders would see it, within ten working days. If that's not fast enough, an express service is available and will cost $23, but your file will be faxed or posted to you within one working day.
There's one further service "My Credit Alert" for those who fear falling victim to such crime. Veda Advantage will send you an email within 24 hours of someone checking you credit file (which can only be done with your permission) advising you who has obtained this information, any personal data that was changed and details of those changes. There is an annual cost for this service, to find out more please visit there website.
www.mycreditfile.co.nz
Everyone has a right to check their own credit file and unless you need the results posthaste there's no charge for it. Most people think about their credit file only when they are turned down for a loan or their identity has been stolen by a criminal seeking to take out loans in there name. That can mean incorrect information can remain on your file (Veda Advantage says that's relatively rare) or there can be surprises such as a video-store listing a debt for a late DVD you forgot to pay before moving house.
You can check you file for free by filling in a form downloaded from www.mycreditfile.co.nz and faxing or sending it to the firm with photocopies of ID.
You'll receive your credit report by post, exactly as lenders would see it, within ten working days. If that's not fast enough, an express service is available and will cost $23, but your file will be faxed or posted to you within one working day.
There's one further service "My Credit Alert" for those who fear falling victim to such crime. Veda Advantage will send you an email within 24 hours of someone checking you credit file (which can only be done with your permission) advising you who has obtained this information, any personal data that was changed and details of those changes. There is an annual cost for this service, to find out more please visit there website.
www.mycreditfile.co.nz
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