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Do you know when a credit check is done? In the majority of cases, a credit check would only be done with your consent, but are you agreeing to a credit check being done without realising? Do you understand the impact of making a credit application and what it could mean to your credit history […]
Understanding when personal loan providers check your credit file will help you adapt your behaviour when shopping around for personal loans, as well as other types of credit products. Let’s take a look at when personal loan providers check your credit file, and what you can do to protect your credit score. Personal Loan Providers […]
Australia continues to move to a new comprehensive credit reporting (CCR) regime from 1 July 2018, which will be mandatory for the big four banks, and optional for other lenders. This is a significant change in how the big 4 banks and other lenders add and share information with regards to your credit report. Both […]
With comprehensive credit reporting (CCR) becoming mandatory for the big four banks in Australia from 1 July 2018, there are a huge number of potential benefits for consumers to take advantage of. As well as there being plenty of benefits on offer, naturally there are some concerns about what CCR may mean for personal privacy […]
From 1 July 2018, comprehensive credit reporting (CCR), or “positive credit reporting”, will become mandatory in Australia for the big 4 banks. They will require 50% of their consumer data “ready for reporting” by this date, and have until 1 July 2019 to achieve 100% compliance. What is CCR and its Background? CCR means that […]
From 1 July 2018, Australia’s big four banks must implement comprehensive credit reporting (CCR). In addition to CCR being mandatory for the big four, it is likely that increasing numbers of smaller banks and other lenders will also voluntarily embrace CCR, as some, including NOW FINANCE, have already done so. What is CCR and What […]
Although it is only the big four banks who will be subject to mandatory comprehensive credit reporting (CCR) from 1 July 2018, many smaller banks and other lenders already participate, and others are likely to follow suit in the coming months. Depending on whom you bank with and what credit products you currently use, your […]
As comprehensive credit reporting (CCR) becomes mandatory for the big four banks from 1 July 2018, there are potential benefits to be enjoyed by many in Australia. While these potential benefits extend to all, it is possible that prospective borrowers with a thin credit file are going to benefit the most. What is CCR? CCR […]

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