Will getting a free veda credit report be recorded in credit file

Discussion in 'Loans & Mortgage Brokers' started by Mark, 18th Dec, 2016.

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  1. Mark

    Mark Well-Known Member

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    I am looking at getting a veda credit report. Is it going to be recorded in my credit file? Is it going to affect my credit score?
     
    Mark, 18th Dec, 2016
    #1
  2. Corey Batt

    Corey Batt Well-Known Member

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    No - accessing your report will not be listed as a credit hit or affect your score.

    It's just noted as an access, not an application.
     
    Corey Batt, 18th Dec, 2016
    #2
  3. Mark

    Mark Well-Known Member

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    Thanks, Corey. Is it different from banks checking my credit file? What is the difference between access and application?
     
    Mark, 18th Dec, 2016
    #3
  4. Propertunity

    Propertunity Well-Known Member

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    Access is where you get a copy to see what's on your file. Application is where you apply for credit.
     
    Propertunity, 18th Dec, 2016
    #4
  5. Redom

    Redom Mortgage Broker Business Plus Member

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    Banks review your credit history when you lodge an application. The application is listed on your credit report, showing a history of the credit applications you've applied for.

    You accessing your own credit report won't have a negative impact on you.
     
    Redom, 18th Dec, 2016
    #5