Where is my credit file stored?
Knowing all the details about your personal finances can put you in control.
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Now is the time to get your finances in shape, and your credit rating looking as good as it can, should you need to apply for credit. Our specialist team is ready to help today.

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Where is my credit file stored?

Credit files are stored by the credit reporting agencies

In Australia these companies are:

Each time a person applies for finance, the credit provider will make a credit enquiry about the applicant. This information is stored by the credit reporting agencies, which over time creates a credit report that lists all such activity.

Credit reporting agencies not only store and make this information available to credit providers but also apply complex analysis and comparison algorithms, which in turn will apply a credit score to the credit report.

Credit providers then utilise these credit scores to help determine an applicant’s credit worthiness.

Negative Listings on Credit Files

Now that we have answered the question, “where is my credit file stored?”, it is important to understand the significance of negative listings. 

Negative listings, such as a default or court judgment can have disastrous effects on a credit file and the person’s ability to secure finance. This is because credit providers see these marks as clear indicators that a borrower is a high risk, even though this may not be true.

Even one small negative listing such as a misunderstanding with a phone provider has the potential to lower a credit score to a point were securing finance can be very difficult.

Clean Credit works with people everyday to help them restore their credit ratings and put them back in a position of being credit worthy once again.

Our credit repair service is not only fast and effective, it is also highly successful, reflected in our high success rate.

What do our customers say?

Testimonials are 100% genuine, however the images of the clients are models for confidentiality and illustrative purposes.