What is a credit report?
Credit reporting bodies (CRBs) collect and share credit information, with credit providers, by providing a credit report.
A credit report provides information about your credit history. Credit providers use the information to assist them to determine your suitability for certain products and services.
You are entitled to a free copy of your credit report every 3 months from each CRB. The CRB must provide a credit rating in the free credit report, together with an indication of the ‘band’ that the credit sits in (eg, below average, average, good, etc). This will provide you with the opportunity to see what information is available as well as check for any inaccuracies.
For a copy of your current credit report, contact the credit reporting bodies.
The bank can only provide you with a copy of your credit report as at the time of your credit application. This may not be up to date.
Visit CreditSmart for a sample credit report.
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- What is PayID?
- What are the benefits of PayID?
- Who can create a PayID?
- What happens if I lock my PayID?
- What if I don't like my PayID name?
- What happens if the PayID I want to use is already registered by someone else?
- What should I do if I don't receive the six digit verification code when creating a PayID?
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- Is Osko by BPAY different from BPAY? Will it replace BPAY or BPAY View?
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- Can I transfer my PayID to a Bendigo Bank account from another financial institution?
- Do you have to be registered for e-banking to create a PayID?
- Why might an account not be visible when creating a PayID in e-banking?
- Can a PayID be created on a term deposit account?
- What happens if I lose my mobile phone and that number was also my PayID?
- When using a PayID, how do I know I'm paying the right person?
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- Who can receive fast payments?
- Can you give me an example of when I might need to use a fast payment?
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- Where am I able to see transaction references over 280 characters?
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