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About Tippla Credit Score Your Tippla Account Your Credit Report Credit Enquiries Security Rejected for Credit? Mistakes in Your Report Spending HabitsCredit Enquiries
If you don’t recognise the name of a company on your credit report, it could be a parent company that operates a subsidiary or an affiliate who you might have authorised to run a credit check on you. For example, a global telecoms operator such as Vodafone Group operates as Vodafone AU locally, although a check on your report could be listed as either.
Always contact the company directly for further details. If the company agrees to remove the enquiry, they’ll let the bureau know and the credit file will be updated. Be sure to check how long they expect this to take, as a credit application can remain on your file for up to 5 years.
Yes, you can. Within your credit report from Tippla, you can view any company who’s searched your Equifax and Experian credit file. These are listed in the ‘Credit Enquiries’ section of your report. Only searches by third parties will appear on your file, meaning any self-made request won’t be seen to prospective lenders.
This really can depend on the type of data. Personal information such as name, date of birth, gender, drivers licence and address history are always present on your report and will remain for the lifespan of your credit file. For other information on your credit report, here are some of the typical time frames:
2 years: repayment history information, any credit accounts that you have closed;
5 years: any credit enquiry, overdue accounts listed as a payment default, overdue accounts listed as clearouts, bankruptcy, writs, summons and court judgements;
7 years: overdue accounts listed as a serious credit infringement.
When you apply for a loan, lenders want to be sure you can afford to repay the loan. Because of this, lenders will look at your previous credit enquiries, along with other information you have provided in your application. By looking into these enquiries, potential lenders can identify patterns or unusual activity that shows financial difficulties. They can also help lenders to prevent fraud.