Credit Report Application

Have you been refused credit ? Did you know overdue accounts (over 60 days) may be listed on your credit file for 5 years from the date of listing and NOT the day the infringement & therefore are stopping you from getting credit or a loan. Did you know unpaid defaults are listed on your credit file for 5 years. Did you know that court judgements are listed on your credit file. Did you know that each time that you apply for credit or a loan that your application is listed on your credit file as a consumer credit application Did you know that if you enter into a Part 9 debt agreement that this is listed on your credit file and may be stopping you from getting credit or a loan. Did you know that each time you apply for credit or a loan that your current address is updated on your credit file. Did you know that each time you apply for credit that your current employment details are listed & updated on your credit file held by credit reporting agencies. Did you know that if you are or have been a Director of a Company that this is listed on your own individual credit file. Did you know that if you have been declared bankrupt that this is listed on your credit file for 7 years.

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Apply for a Copy of your Credit File

Credit File Application

Your Authority

We are required as per the Privacy Act 1988, to seek your authority from you to obtain a copy of your credit file.

Why do we require a copy of your credit file?

Since the credit report is a critical part of your financial picture, it is important that it be accurate so you can obtain loans when you need them, at the best possible rate.

Copy of "Your Credit File"?

As per the Privacy Act 1988, once Dreamloans obtains a copy of your credit file, we are then required to give you a copy.

What information will be in your credit file?

Contained in your credit file is information about you and your credit history including

Personal details such as: name, residential addresses, date of birth, drivers licence number and current or previous employer;
Credit applications and enquiries you have made during the past five years;
Overdue accounts (defaults) which may have been listed against your name;
Bankruptcy information;
Default Judgements;
Public record information such as Directorship and Proprietorships.

Will your credit file be of any use?

Obtaining a copy of your credit information file will assist you in managing your personal information and also help you to better assess your own credit-worthiness. Your credit file is an asset to you, providing valuable personal information from a trusted third party source, which can be used to support your future credit applications.

How much will it cost?

The cost will be $27 which will include GST.

Payment Methods?

You can choose to pay in two ways and they are as follows:

Credit Card. If you choose to apply via this method, click here to proceed to our online payment method.
Direct Transfer or Deposit. You can directly transfer the $27.00 into our account via the internet or deposit the money at your local branch. Click here to proceed to our online payment method.