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How does credit reporting work?

With fears of an Australian recession due to COVID-19 rising, how can you prepare to ride out an economic storm? In such a challenging times, there are ways that you can prepare yourself for this uncertainty.

When you apply for credit from a financial institution, or sign a contract that permits you to ... for goods or services, the organisation providing the credit wants to be confident you will pay back what you owe. Past behaviour is ... part of Sue’s Credit Report and, in most cases, her Credit Score as well. ABC Bank then makes a decision based on all the information ...

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Starting over: Nichola Quail, returning expat

With fears of an Australian recession due to COVID-19 rising, how can you prepare to ride out an economic storm? In such a challenging times, there are ways that you can prepare yourself for this uncertainty.

... the decision to move back to Sydney. And that's when her credit challenges began. The answer is "no" Before the move to New ... to rebuild your credit Need to rebuild your credit score after moving back from overseas? Take a look at our practical tips you ...

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Do credit enquiries impact my Credit Report?

With fears of an Australian recession due to COVID-19 rising, how can you prepare to ride out an economic storm? In such a challenging times, there are ways that you can prepare yourself for this uncertainty.

The type of credit applied for, the amount of credit and the number of credit enquiries over a period of time can all have an ... and have a negative impact on your Credit Report and Credit Score. Did you know....?  Many applications in a short space of time ...

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How strong passwords can help protect your identity

With fears of an Australian recession due to COVID-19 rising, how can you prepare to ride out an economic storm? In such a challenging times, there are ways that you can prepare yourself for this uncertainty.

... applying for a loan in your name, making purchases on your credit card, creating false identity documents, and more. The impact of ... 28% of these victims, identity theft impacted their credit score , resulting in refusals of credit that would likely have been ...

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What is a credit enquiry?

With fears of an Australian recession due to COVID-19 rising, how can you prepare to ride out an economic storm? In such a challenging times, there are ways that you can prepare yourself for this uncertainty.

A credit enquiry may be added to your Credit Report when a lender conducts a credit check on you as part of an ... one remains on his Credit Report and may affect his Credit Score. What is a credit ...

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Equifax Identity Protect

With fears of an Australian recession due to COVID-19 rising, how can you prepare to ride out an economic storm? In such a challenging times, there are ways that you can prepare yourself for this uncertainty.

1 x Equifax Credit Report (one per year) Dark web monitoring with Identity Watch 1 ... insurance with Identity Guard 3 One Equifax Credit Report every 12 months for a comprehensive view of your credit history ... key changes, and understanding what influences your credit score. CREDIT FEATURES ...

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Why are there different Credit Scores?

With fears of an Australian recession due to COVID-19 rising, how can you prepare to ride out an economic storm? In such a challenging times, there are ways that you can prepare yourself for this uncertainty.

Different lenders and credit reporting bodies (CRBs) have different credit scores based on their own information and algorithms. A credit score is only as accurate as the information it is based on. A credit score ...

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Buy Now Pay Later (BNPL): 5 Strategies For Success

With fears of an Australian recession due to COVID-19 rising, how can you prepare to ride out an economic storm? In such a challenging times, there are ways that you can prepare yourself for this uncertainty.

... in five consumers are missing payments, which could lead to credit problems down the road. It is important to note that BNPL services ... service could have similar negative impacts to your credit score the way a missed loan or credit card payment would. Here are five ...

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If I have an application for credit approved but don’t end up using the credit, can this impact my Equifax Credit Report and Equifax Credit Score?

With fears of an Australian recession due to COVID-19 rising, how can you prepare to ride out an economic storm? In such a challenging times, there are ways that you can prepare yourself for this uncertainty.

Yes. Even if you don’t actually use the credit you’ve been given access to, your application for it will be recorded ... a short space of time – this can lower your Equifax Credit Score.    If I have an ...

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What is Identity Watch?

With fears of an Australian recession due to COVID-19 rising, how can you prepare to ride out an economic storm? In such a challenging times, there are ways that you can prepare yourself for this uncertainty.

... service included in a number of Equifax personal credit and identity monitoring plans. Identity Watch is used to help detect ... name. Equifax Credit Alerts can help protect your Equifax Score before any damage is done. Identity Watch monitors criminal trading ...

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