Who can access your credit report?

Your credit file is a summary of your financial history

It is an extremely important document in that it can determine whether or not you are able to secure a mortgage, car loan or other credit facility, as well as what interest rate you’re charged for those loans.

Third-party access to your credit file

Lenders and merchants can buy memberships to credit reporting agencies so they can quickly and easily do a credit history check on potential customers. Credit bureau members have to sign a contract stating that they will only access credit files when they are authorized to do so by the applicant. This is again why your credit file is so important. You ask “who can access my credit file?” The answer: nearly everyone who can offer you credit. The types of organizations that can access credit reports and perform a credit history check are organizations with a legitimate business that need to check your credit history. These organizations include:

  • Credit providers such as banks and credit unions
  • Credit card companies
  • Auto finance companies
  • Organizations that offer credit such as Accountants and Solicitors
  • Organizations considering your application for a government license or benefit (if the agency is required to consider your financial status)
  • Government agencies (usually can only look at your name, address, former addresses, and current and former employers)

Each time a credit report is viewed by one of the above organizations, a “hard inquiry” gets recorded on your credit report. When you request to view your own credit report, it is considered a “soft inquiry.” The more number of hard credit reporting inquiries that show up on your credit report, the worse your credit score may become. So if you’re wondering “should I fix my credit file to improve my rating?”, speak to a certified specialist for comprehensive advice.

Removing negative listings from your credit file can open up a huge number of financial opportunities for you. Clean Credit specialises in helping people have negative credit items such as defaults and judgements removed from their credit files. Through our credit repair service, we can help you regain control of your financial future and have a much higher chance of securing credit.

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What our clients say

  • “I needed a small working capital local to sustain my small Business but the banks wouldn’t take me on due to my low Credit score. These guys just said no problem! It was a done deal.”

    Owen, NSW
  • “Clean credit have successfully removed listed defaults from my Credit File, couldn’t be happier. Very professional and explained everything with clarity. I would highly recommend them to anyone.”

    Grant
  • “Morning Jamil,

    Hope you’re doing well and had a nice weekend.

    It’s such great news to hear that (credit score jumped from 274 to 629). It’s amazing that you guys still managed to get it sorted in a short period of time.

    Thanks very much.”

    Jia
  • “Lachlan was great! He worked quickly and kept me up to date! I will definitely be recommending Lachlan and the team at Clean Credit to my friends and family.”

    Jade, QLD
  • “You have really relieved a lot of stress, thank you so much. I know a lot of work and time went into this and it is most appreciated.”

    Shane, VIC
  • “Ed, Really appreciate all your work mate. Will recommend you to lots of people. Very good man, well worth the money. Thank you very much. ~Ben”

    Ben, WA
We have put together the most dedicated and skilled staff in credit repair. At Clean Credit, we stand by your legal rights, and believe people should not suffer as a result of the negligence and disregard of others.

Our staff are ready to help

We have put together the most dedicated and skilled staff in credit repair. At Clean Credit, we stand by your legal rights, and believe people should not suffer as a result of the negligence and disregard of others.
Clean Credit is a leading credit repair company in Australia. With our passionate team of financial experts, we have helped many Australians to fix their bad credit rating and improve their credit rating. If you have been rejected for a loan or want to improve your credit score, then call Clean Credit today for a free credit repair consultation. Clean Credit wants to help you restore your credit history.

Credit repair and rating check in Australia

Clean Credit is a leading credit repair company in Australia. With our passionate team of financial experts, we have helped many Australians to fix their bad credit rating and improve their credit rating. If you have been rejected for a loan or want to improve your credit score, then call Clean Credit today for a free credit repair consultation. Clean Credit wants to help you restore your credit history.