Who Can Access Your File?
The details in your file are not available to everyone who requests it. Only companies that have had your permission will be given access. This permission is usually given at the time you sign up for a loan or for hire purchase, or some other financing.
Certain government agencies have the legal right to look at your file without your permission, but these are under circumstances allowed under the Privacy Act.
Your file will show the list of credit enquiries made by other companies. This can weigh against you because the number of enquiries will show that it has not been easy for you to get credit. Unfortunately, details on your file contain only negative information about you. If you have been a good payer and have kept your finances in good order in the past, this information is not available on your file.
How to view and make changes to your File
Under the Privacy Act you are entitled to find out about the information the credit agencies...
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