Credit Report
Once you have signed the Premium Broker Privacy Form we may access your Credit Report from Equifax

ENQUIRY FOOTPRINTS & YOUR CREDIT SCORE
Every time you apply for a loan the lender will check you credit report and will be recorded as new enquiry.
Multiple enquiries (especially for unsecured personal loans & credit cards) may decrease your credit score.
Premium Broker has access to a "footprint free" reports - which means our reports are not counted as a credit enquiry.

CREDIT REPORT
- Credit Score (Between -200 & 1200)
- Identity Details (Name, DOB, Driver's License and previous addresses)
- Credit Enquiries (List of consumer & commercial applications for finance or utilities)
- Defaults, Insolvencies and Court Actions
- Business Relationships (Directorships or Sole Trader companies)
- Repayment History (month by month history of repayments - Guide below)
     0 = Paid on time
     1 = 0-29 days overdue
     2 = 30-50 days overdue
     3 = 60-89 days overdue
     C = Closed
     R = Not Reported
     P = Pending

SUSPICIOUS ENQUIRIES
If you identify and suspicious enquiries or addresses you should investigate these with the lender.
Whilst rare, it is possible someone has used your identity to apply for finance fraudulently.
If you have any questions please let me know.

MORE INFORMATION
https://www.equifax.com.au/personal/help-centre/credit-scores
https://www.equifax.com.au/personal/resolution-centre