Browse Forums Home Finance Re: Finance - anxious first home buyers 22Jul 19, 2013 10:57 pm $395 Fixed Priced Landscape Plans for DA M: 0435 127 244 | W: bluegumdesign.com.au | E: info@bluegumdesign.com.au Residential | Commercial | Industrial Re: Finance - anxious first home buyers 25Jul 20, 2013 12:35 pm $395 Fixed Priced Landscape Plans for DA M: 0435 127 244 | W: bluegumdesign.com.au | E: info@bluegumdesign.com.au Residential | Commercial | Industrial Re: Finance - anxious first home buyers 27Jul 20, 2013 9:22 pm $395 Fixed Priced Landscape Plans for DA M: 0435 127 244 | W: bluegumdesign.com.au | E: info@bluegumdesign.com.au Residential | Commercial | Industrial Re: Finance - anxious first home buyers 29Jul 21, 2013 11:01 pm ______________________________________________________________________ Signed up Jan 2013........Almost done! My thread: https://forum.homeone.com.au/viewtopic.php?f=31&t=65763 Re: Finance - anxious first home buyers 34Sep 03, 2013 12:08 am $395 Fixed Priced Landscape Plans for DA M: 0435 127 244 | W: bluegumdesign.com.au | E: info@bluegumdesign.com.au Residential | Commercial | Industrial Re: Finance - anxious first home buyers 35Sep 03, 2013 9:49 am Brahma Bull kyton Brahma Bull There's no such thing as a credit score. It's default or no default system. A creditor looking at your file is not an issue. The only issue is when you apply for multiple loans at the same time, creditors don't like this because they assume that they have all knocked you back. Completely dumb system. Actually you are wrong - if your lender uses Veda they now have a "score". Ie a number between +999 (brilliant score) down to -999 (bankrupt). It is even colour coded LOL. The more applications, changes in addresses and defaults means the lower your score. I got a copy of my credit score from Veda, and there is no "score" at all. It just tells me if I have any defaults and how many credit applications I've had etc. How come you have a different one? Bizarre. Ive seen my Veda credit score report & its different to the credit report you receive when you pay $60 odd to Veda. Mine was sent to me by an authorized agent who placed an inquiry on my file. I guess its sent only to authorized agents (aka banks/solicitors etc). Re: Finance - anxious first home buyers 36Sep 03, 2013 10:08 am Brahma Bull I got a copy of my credit score from Veda, and there is no "score" at all. It just tells me if I have any defaults and how many credit applications I've had etc. How come you have a different one? Bizarre. You can get a copy of your VedaScore from VedaAdvantage but you have to sign up to their Veda Starter plan for $69.95 per year. Or a mortgage broker can do a credit check for $8 - $10 and then give you a copy. Veda Advantage will not give it to you for free. We wrote an article on how VedaScore works on our site if you are interested. But there should be lots of info about it online or just ask your mortgage broker. yk83 Im sure they have coz I have a copy of my "credit score". My score is close to 450 with a relative risk of -2.1, whatever that means. Im hoping its an OK score. 450 isn't a good score. It means you are a 2x higher risk than the general population. If you apply for a mortgage in the future then apply with a lender that doesn't credit score or you may get declined. Hope that helps. Re: Finance - anxious first home buyers 37Sep 03, 2013 11:05 am jb_money yk83 Im sure they have coz I have a copy of my "credit score". My score is close to 450 with a relative risk of -2.1, whatever that means. Im hoping its an OK score. 450 isn't a good score. It means you are a 2x higher risk than the general population. If you apply for a mortgage in the future then apply with a lender that doesn't credit score or you may get declined. Hope that helps. Thanks jb_money. I improved my score by calling all the "authorised agents" and forcing them to remove unauthorised credit/agent inquiries on my file. Anyways, Ive got my final approval from the bank (been a customer for 7 years) and I will be keeping a close eye on who's accessing my file in the future. Re: Finance - anxious first home buyers 38Sep 03, 2013 12:41 pm yk83 jb_money yk83 Im sure they have coz I have a copy of my "credit score". My score is close to 450 with a relative risk of -2.1, whatever that means. Im hoping its an OK score. 450 isn't a good score. It means you are a 2x higher risk than the general population. If you apply for a mortgage in the future then apply with a lender that doesn't credit score or you may get declined. Hope that helps. Thanks jb_money. I improved my score by calling all the "authorised agents" and forcing them to remove unauthorised credit/agent inquiries on my file. Anyways, Ive got my final approval from the bank (been a customer for 7 years) and I will be keeping a close eye on who's accessing my file in the future. What is this "unauthorised credit inquiries? $395 Fixed Priced Landscape Plans for DA M: 0435 127 244 | W: bluegumdesign.com.au | E: info@bluegumdesign.com.au Residential | Commercial | Industrial Re: Finance - anxious first home buyers 39Sep 03, 2013 12:43 pm jb_money Brahma Bull I got a copy of my credit score from Veda, and there is no "score" at all. It just tells me if I have any defaults and how many credit applications I've had etc. How come you have a different one? Bizarre. You can get a copy of your VedaScore from VedaAdvantage but you have to sign up to their Veda Starter plan for $69.95 per year. Or a mortgage broker can do a credit check for $8 - $10 and then give you a copy. Veda Advantage will not give it to you for free. We wrote an article on how VedaScore works on our site if you are interested. But there should be lots of info about it online or just ask your mortgage broker. yk83 Im sure they have coz I have a copy of my "credit score". My score is close to 450 with a relative risk of -2.1, whatever that means. Im hoping its an OK score. 450 isn't a good score. It means you are a 2x higher risk than the general population. If you apply for a mortgage in the future then apply with a lender that doesn't credit score or you may get declined. Hope that helps. Seriously? Far out that is such an epic rort! How can I even get an understanding of how good my credit rating is if all they give me is a page telling me if I have any defaults or not. Seriously, this is a bloody annoying! $395 Fixed Priced Landscape Plans for DA M: 0435 127 244 | W: bluegumdesign.com.au | E: info@bluegumdesign.com.au Residential | Commercial | Industrial Re: Finance - anxious first home buyers 40Sep 03, 2013 1:14 pm Brahma Bull Seriously? Far out that is such an epic rort! How can I even get an understanding of how good my credit rating is if all they give me is a page telling me if I have any defaults or not. Seriously, this is a bloody annoying! Veda Advantage is a business. They abide by the Privacy Act so if you ask for your personal information they have to give you a copy of your credit file. However your VedaScore is not personal info. So you have to pay to get it. I reckon it is fair to make people pay for it, but the price is way too high. you were just referred to get advice from your solicitor. This is a legal matter. Separately, why would you use a buyers agent for a house and land package? 3 71466 Sadly no movement on site since soak wells went in. There are also missing/wrong storm water drains which need to be sorted, along with a broken pipe. Plumbing has been… 14 38192 Cant give recommendations in general with that builder, but during the colour selection, this is honestly personal preference. Depends on the style you want. Do you want… 1 1164 |