What can create a negative listing?

Credit files have a lot of mystery and misinformation associated with them. This is because most people have never seen their own credit file and don’t know what is on it.

Your credit file is a record of the information that creditors think is relevant for assessing you for credit. It is kept by a credit reporting bureau; in Australia this is Equifax (formerly Veda Advantage) and Dunn & Bradstreet.

What information is stored on your credit file?

Important notes about credit enquiries on credit files

Every time you enquire about getting credit a record can be made.
Records of some current credit accounts are on your credit file for the last 5 years.
Some creditors will update their enquiry to show if it was approved. Most creditors do not.

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