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Frequently Asked Questions | illion CheckYourCredit

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CommonlyAsked Questions | illion CheckYourCredit This site uses JavaScript Your browser does not support JavaScript or is currently disabled. Please enable JavaScript in your browser and refresh the page. Alternatively, you may well-constructed ourUsingfor Personal Credit Report Form to receive a reprinting of your credit report in the mail. In wing to completing the form, you will need to provide the pursuit documents to verify your identity: A reprinting of your Driver's Licence, Passport,LineageCertificate or Proof of Age card; AND A reprinting of a document issued by an official soul (such as a utility snout or wall statement) illion adheres to the Privacy Act, Credit Reporting Code of Conduct and the National Privacy Principles by providing you with the right to obtain a reprinting of your credit report. Important Note: A security upgrade will be implemented to this website between 8:00 pm AEST on 22/09/2018 and 8.00 am AEST on 23/09/2018. There will be an outage of up to 12 hours during this time. However, if you have any issues accessing the website without this time, please contact PublicWangleCentre. Australia   Phone: 1300 734 806   Email: pac.austral@illion.com.au       New Zealand   Phone: 0800 362 222   Email: pacnz@illion.co.nz home personal merchantry faqs credit education my worth             commonly asked questions What is a credit report? A credit report is a record of information relating to your personal credit history. This is used by credit providers, such as banks and telecommunications institutions, when assessing your credit application. Your credit report contains the pursuit pieces of information, which are permitted under the Privacy Act. Personal details (full name, gender, current and previous two residential addresses, stage of lineage and current employer) Bankruptcy actsMagistratejudgments and other public record information Company directorships Default data (overdue payment information) Number of credit enquiries made, by whom and when This pursuit information is moreover permitted under the changes to the credit reporting regime, which took effect on 1 April 2012. Learn increasingly well-nigh the new comprehensive credit reporting regime here This information is not yet reported on your credit report. Type of credit worth Credit limit 24 months repayment historyStageworth was opened and sealed Details of the lender Why do I have a credit report? You have a credit report if you have unromantic for credit or have a credit account. This includes instances where you have unromantic for a new phone contract, credit card, loan, mortgage or rent purchase. When you are applying for credit for the first time, the credit provider will record your personal identification details, and the type and value of credit unromantic for. Your report will be updated for each subsequent credit using or enquiry or via updated information from your credit provider. Who else has or can wangle a reprinting of my credit report? Generally, only credit reporting agencies, credit providers and yourself. As a credit reporting agency, illion can provide information regarding your personal credit report to: A credit provider A current credit provider A mortgage insurer A trade insurer Another credit reporting organ A person/body to whom disclosure is authorised or required by or under law A credit provider or a law enforcement validity in connection with a 'serious credit infringement' The recipient of your personal credit report will need to teach you that they will be accessing your report. illion may provide a reprinting of your personal credit report to a person who has been authorised in writing to act on your behalf. This applies to situations where you may engage the services of a debt counsellor or a financial advisor. For a credit provider wishing to seek a combination of consumer and commercial information, the credit provider will need to obtain your consent. What information is not stored on my credit report? Political, social, or religious beliefs or affiliations Criminal records Medical history or physical handicaps Race, ethnic or national origins Sexual preferences or practices Lifestyle, weft or reputation How will my credit report be used by credit providers? Credit providers will wangle your illion personal credit report without they have notified you that they will do so and where necessary, obtain your consent. Your current and prospective creditors are provided with a comprehensive and well-spoken picture of your overall creditworthiness, and your willingness to pay your worth should they proffer credit to you. How do I obtain a reprinting of my personal credit report? You can request a reprinting of your personal credit report online. Your identity will need to be verified, so please ensure that the details you provide are well-constructed and accurate. Order your personal credit report » Alternatively, you may well-constructed ourUsingfor Personal Credit Report form to receive a reprinting of your credit report in the mail. In wing to completing the form, you will need to provide the pursuit documents to verify your identity: A reprinting of your Driver’s Licence or Passport orLineageCertificate or Proof of Age card; AND A reprinting of a document issued by an official soul (such as a utility snout or wall statement) illion adheres to the Privacy Act, Credit Reporting Code of Conduct and the National Privacy Principles by providing you with the right to obtain a reprinting of your credit report. Can illion teach the contents of my personal credit report over the phone? In support of the Privacy Act, Credit Reporting Privacy Code and the Privacy Principles, all applications must be made in writing (online, email or post) by you to obtain a reprinting of your credit report. What is a Consumer Credit Bureau? A consumer credit organ is a database of individual consumer credit histories. The credit histories are built up from credit providers when individuals wield for, or default on, a credit facility. These credit histories are disclosed to credit providers when they wangle your credit report to assess an using for credit. What is a credit zestful and how can it protect me from identity fraud? Keeping up-to-date with changes to your report is crucial in detecting instances of fraud. Personal fraud financing Australians increasingly than one billion dollars annually, with credit vellum fraud and identity theft stuff two of the most worldwide types. Checking your credit report regularly will notify you of any irregularities, such as attempts to unshut a credit worth in your name. If left unchecked, fraudulent behaviour can stupefy your worthiness to wangle credit in the future. illion offers an zestful service that will notify you of changes to your credit report. Order a credit zestful » How can I find out why I was refused credit? As a credit reporting agency, illion is not the decision-maker. illion only supplies information. If credit has been denied based on a illion credit report, you will be well-considered of this by the credit provider. It is recommended that you regularly review your credit history by obtaining a reprinting of your credit report. How can I query information contained in my credit report? illion is single-minded to handling queries regarding your information in a fair, efficient and timely manner. illion takes ownership of your query to ensure that that it is powerfully managed. When dealing with queries relating to your credit report, the unelevated procedures are followed: Step 1. Obtain a reprinting of your personal credit report Step 2. Notify illion's PublicWangleCentre of your query Making a query or notification of transpiration concerning the information contained within your credit report can be made via your worth online. Login to MyWorth» Alternatively, if you have received your credit report via mail, please well-constructed and submit theSummonsRequest form. Step 3. illion will investigate the transpiration requested Credit Provider Where the information has been provided directly from the credit provider, illion requires that you provide relevant documentation to support the required summons or contact the credit provider directly. Outcomes In the event that the towardly documentation is supplied, illion will update your credit report to reflect the change. In the event that the entry is correctly recorded and there is insufficient documentation, you can request a statement be included into your credit report recommending that the entry has been queried and your report will not be amended. Public Record Entry Where the information relates to public records, a illion PublicWanglerepresentative will request that you provide relevant documentation from the magistrate to update your credit report. Outcomes In the event that the towardly documentation is supplied, illion will update your credit report to reflect the change. In the event that the entry is correctly recorded and there is insufficient documentation, you can request a statement be included into your credit report recommending that the entry has been queried and your report will not be amended.Pursuitthese three steps we will provide: Notification of the outcome of the query request Within 30 days of the transpiration request stuff lodged, a illion PublicWanglerepresentative will notify you of the outcome of the query request. Disclosure of Amended Report to Previous Enquirers At your request, illion may provide previous enquirers of your credit report (within the past three months or between the time the error was made and the stage of the query request) with an amended credit report. In the event that you are not satisfied with the outcome, you may exercise your right to request to the Privacy Commission. Privacy Commissioner Te Mana Matapono Matatapy PO Box 10094 The Terrace Wellington 6143 Hotline:0800 803 909 What is an enquiry? An enquiry is a footprint left by a credit provider relating to an using by you for credit. This assists you to know who has accessed your credit report. What is a default? A record of credit, where you are increasingly than 30 days overdue and the credit provider has taken steps to recover the outstanding amount. Defaults are retained on file for five years, plane when the value has been paid in full. When the value has been paid in full, it will be recorded therefrom on your credit file. What does illion use my information for? illion will unroll personal information to credit providers, courts, tribunals and organisations that illion is instructed to by law. illion may moreover use personal information for planning and research purposes, but for these purposes it uses and produces volume or de-identified data. Can I wangle information well-nigh other individuals? No. You can only wangle your information. Privacy Legislation restricts the disclosure of credit reports. In waxy to the Privacy Act, illion is serious well-nigh data security. To protect the personal information of individuals, illion adopts strict guidelines on who can wangle a credit report and for what purpose. illion is single-minded to protecting personal information from misuse or unauthorised access. Why have I received a sample report? Based on the search details you have provided, there is no information contained in the illion database. This is good news as it indicates you have no wrongheaded information listed with illion. A sample report has been provided to inform you the contents of a illion report, should you have one in the future. How do I suppress my credit information? The Credit Reporting Privacy Code 2004 gives you the right to request that a credit reporting agency, such as illion, suppress or freeze your credit information if you believe you are at risk of identity fraud. For increasingly information and steps to suppress your consumer credit file please click here. To lodge a request to have your credit file suppressed please click here. Looking for a merchantry credit report? A merchantry credit trammels reduces your risk by enabling you to make informed decisions when extending credit. With firsthand wangle to Australia's largest merchantry database, illion's Express credit reporting service offers a range of reports for low, medium and upper risk merchantry decisions. Learn increasingly well-nigh illion’s merchantry credit reports » How is my credit report unauthentic by recent changes to credit reporting laws? Changes to the Credit Reporting Privacy Code 2004 came into gravity on 1 April 2012, marking the shift from a negative-only credit reporting regime to a positive and increasingly comprehensive system. Under the new reforms, spare pieces of information are worldly-wise to be included on a personal credit report, which can be viewed here The changes that will stupefy you include: Permission to ‘freeze’ or suppress your credit report if you believe you are a victim of fraud or identity theft. This will prevent remoter attempts to unshut new finance in your name. Prohibition of default listings under $100 Provision of credit information to credit providers for the purpose of credit-related marketing only, regulated under the Privacy Act (This excludes individuals who have opted out of uncontrived marketing and those who present a bad credit risk). What are the benefits of comprehensive credit reporting? Comprehensive credit reporting has been extensively studied virtually the world. While variegated countries have variegated types of comprehensive credit reporting systems, the research shows that all have benefited from the inclusion of largest quality data in credit reports. The research shows that comprehensive credit reporting can: Reduce default rates Improve wangle to mainstream credit for under-served sections of the polity – this includes women and new arrivals Improve competition in the credit market, which can have a positive impact on the price of credit Enhance responsible lending practices For increasingly information, please visit illion’s credit education » Download anUsingForm?Usingfor Personal Credit Report © 2017 illion New Zealand Marketing Services Limited, all rights reserved for New Zealand | illion CheckYourCredit | Need help? Call 0800 362 222Well-nighUs · Contact Us · Privacy · Terms & Conditions · Complaints · Browsing Requirements · Error Close