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Maintaining Credit Worthiness
Credit Report Features:
Frequently Asked Questions
Here you'll find the answers to all of your credit report questions. The Q&A covers a range of topics, including understanding your credit file and how to protect yourself against credit fraud. Read More...
- Identity fraud: How to protect yourself
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The following steps are recommended:
- Pay your bills on time
- Call your credit provider(s) in a timely manner and alert them if there is a problem meeting your commitments
- Review your credit file to make sure there are no errors in the information and/or discover any overdue accounts that have been forgotten about. A File Update Form is available to request corrections
- Monitor your credit file to ensure someone is not fraudulently using your identity (a growing problem worldwide)
- A "no" to a credit application, or the supply of goods and services where payment is deferred, does not necessarily mean your credit file is flawed. Credit providers each have their own lending criteria, so seek an explanation
- Remember that the details on overdue accounts, even when paid, remain on your file for five years from the date of listing, as part of your credit history
- An overdue account is usually a debt of over that has been owing for a minimum of 60 days
- Overdue accounts where the debtor has been "confirmed missing" remain on the database for seven years.
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