Most Australians pay rent every month without fail. Some have done it for years. But not
Your credit file tells lenders what you have done with credit in the past. Open Banking
Every time you formally apply for credit in Australia, a hard enquiry is recorded on your
Having no credit history sounds like a clean slate. To a lender, it looks like an
Every month, the lenders you have credit accounts with send a status code to Australia’s credit
Your credit score does more than determine whether a lender approves your application. It directly influences
No. Your income does not affect your credit score in Australia. It is not recorded on
Comprehensive Credit Reporting, or CCR, is the Australian system that gives lenders a fuller view of
Every negative listing on your credit report has a fixed expiry date set by law. Once
Most people request their credit report, scan it briefly, and put it down confused. The layout
