Advice needed please

[ashjoma]

Hi all,
I am applying for a mortgage for an investment unit, I have been told there is an outstanding unpaid debt against my name, a few hundred dollars.

I know nothing about this and have never heard of the company.

I have told this to the mortgage broker and am waiting to hear back.

Any ideas on what is going on or what I should do ? Anyone else had this happen ?

I don't want this to affect my potential purchase


Thanks



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[*mrgrizz*]

you can request your credit file online

from a company called veda or something like that

[catsnknots]

http://www.mycreditfile.com.au/home/free-credit-file.dot

Your credit file is free to access however this can take a long time.. ok.. not that long but it was long for me. 

I paid the small fee and got it really fast. 

[*mrgrizz*]

---

@catsnknots wrote:

http://www.mycreditfile.com.au/home/free-credit-file.dot

Your credit file is free to access however this can take a long time.. ok.. not that long but it was long for me. 

I paid the small fee and got it really fast. 

---

it is veda.......i got it right

[i-once-was-bump]

As well as getting your credit file do you think you should ask the lender where he got his information from?

Do you have a really common name that could have been mistaken for someone else?

[lyndal1838]

Lenders have access to your credit file Bump....he probably got it from Veda or one of the other companies that offer this service.  All companies that offer credit will be subscribed to a Credit Reference provider....banks, shops, utilities providers, phone companies.

Just Google Credit Reference providers and you will come up with a number of options, some more expensive than others.

Ash, get a copy of your Credit Reference and check all the entries....if there is anything wrong it needs to be corrected or you could run into this problem again.

[azureline**]

This happened to me a few years ago when applying for a new mobile phone. I enquired as to what it was and it turned out to not be mine, same name, same town, same birthdate but different middle names and address.