Previous creditors are likely to be told about these updates and may start contacting you again. When you apply for a credit report, or a loan where a credit check is done, your current contact details will be updated. The 3 largest credit reporting agencies are: Each agency may hold slightly different information. Your credit report is held by credit reporting agencies, and you can get a free copy from each agency. You can get a free copy of your personal credit report and score once every 3 months or when you are refused credit, or when a correction has been made. How information on your credit report is usedĬorrecting information on your credit report Getting your credit report Commercial or business credit is treated differently. This fact sheet relates to consumer (personal) credit reports only.You can get your credit report for free every 3 months.Only people you give permission to can see your credit report (you usually do this when you apply for credit).Credit providers (like finance, telco and utility companies) use information on your credit report when deciding to give you credit (a loan or service).You should get professional advice about your personal situation from a financial counsellor or a lawyer.
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