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Repairing errors in your credit score

Posted on February 17, 2021 by admin

Your credit score can affect loans and credit you apply for. You are able to have errors on your credit report fixed for free. 

The following are typical errors in credit reports, that you are able to get fixed for free.

Errors by the credit reporting agency – there may be instances where the agency that reports your information has done so incorrectly. This can lead to errors about:

This type of error can be fixed by contacting the agency directly.

Errors by the credit providers – there may be instances where the credit provider incorrectly reports information. This can lead to errors about:

These types of errors can be corrected by contacting the credit providers. If they agree that there has been a mistake, then the agency will adjust the details. If there is disagreement, then contact the Australian Financial Complaints Authority (AFCA) to file a complaint and receive a resolution. 

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Signs of unauthorised and mistaken transactions

Posted on February 24, 2021 by admin

When checking through your transactions, you might come across a transaction that doesn’t look right. If this is the case, you should get into contact with your bank as soon as possible. 

An unauthorised transaction: Money transferred from your account without your permission

A mistaken transaction: Paying the wrong person by using the wrong details

Here are the signs to look out for to identify unauthorised or mistaken transactions:

But keep in mind:

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