7218 replies to this topic

[skillionaire]

Does it even matter if there are inquiries on there though? They are not like some form of black mark against your name or anything are they?

 

Yes, they are! That's actually exactly what they are!

 

http://www.brokernew...nes-126103.aspx

[B4TT]

Yes, they are! That's actually exactly what they are!
 
http://www.brokernew...nes-126103.aspx

Gay!

[Adam]

I'm also concerned, because I haven't made 5 enquiries in 12 months.

I'm wondering if it has something to do with my gas bottle hire. My card expired and instead of callin me and leaving a message to did out, they kept sending an invoice, which I ignored because It usually just comes out of my account(my fault I guess)

I don't care heaps. But it stops my bike plans, and I'm worried someone is running around as Adam with a lot of unpaid debt.

[skillionaire]

Well, the fact that they are declined enquiries would mean they haven't taken anything out in your name; but Shaz will point you to the government body to contact.

[Adam]

Yeah true.


I just want a forking boatermike!

[B4TT]

Well, the fact that they are declined enquiries would mean they haven't taken anything out in your name; but Shaz will point you to the government body to contact.

That link you posted said that it doesn't even log if the inquiries are approved or declined and that is where most of the problem stemmed from.. How can we have such a shit system in place still!

[skillionaire]

[Adam]

That link you posted said that it doesn't even log if the inquiries are approved or declined and that is where most of the problem stemmed from.. How can we have such a shit system in place still!

It still takes up to 48hrs to transfer between some banks.....plenty of shitness still in place

[Shaz]

Yeah man, you need to get onto Veda Advantage and get a copy of your credit report, and make sure that all the enquiries on there are genuine. 

 

As I said yesterday, I can't see who they are from, just the amount and when.

 

The credit reporting system is forked. It doesnt say if they proceeded, declined, accepted, not accepted, etc etc. It just shows enquiries.

[Zac]

Morning all...

 

Went to the RTA this morning.. blitzed the test in under 10min, now I can ride..

[B4TT]

That veda thing is farking expensive Shaz. It looks like they only offer yearly subscriptions.

[Shaz]

Jesus, they've definitely changed it. 

 

You used to be able to get it for free, as long as you were prepared to wait for 2 weeks. Other wise it was $30. 

 

Crazy.

[Adam]

Thanks Shaz!

NICE ONE ZAC

[skillionaire]

CONGRATULATIONS EYE SLICK

[Reevesy]

So is the 3 enquiries in a year a NAB policy or is it a rule for every one.

Because I got my home loan, mobile, personal loan, credit card and internet service all in the same 12 months.

The loans and credit card are all with the same bank but they still did a check each time and same with the internet and mobile. Same company but sperate checks

[Adam]

Jesus, they've definitely changed it. 
 
You used to be able to get it for free, as long as you were prepared to wait for 2 weeks. Other wise it was $30. 
 
Crazy.

Nah there's a free one

[Zac]

Haha... thanks dude... reading though all those questions last night did it for me... I knew the answer to every questions even if I didn't read it carefully... lol... 100% yo...

 

License will come in the mail... renewed my driver's at the same time, so didn't get charged for the L's licensing fee...

[Shaz]

You can go through DnB to get it as well. 

 

http://dnb.com.au/Cr...port/index.aspx

[B4TT]

Nah there's a free one

Where abouts?

[Shaz]

So is the 3 enquiries in a year a NAB policy or is it a rule for every one.

Because I got my home loan, mobile, personal loan, credit card and internet service all in the same 12 months.

The loans and credit card are all with the same bank but they still did a check each time and same with the internet and mobile. Same company but sperate checks

 

I think its an industry thing. Some banks will accept a higher level of risk then others, but as a rule of thumb 3 in 12 months for "Credit Enquiries" (Excluding Mobile Phones, Electricity, Internet, etc) would be considered medium risk.