Credit reporting. You, ME, and comprehensive credit reporting.

ME’s Privacy and Credit Reporting Policy outlines how we collect, use, share and protect your credit information – check it out here.

Credit reports are based on your credit history. If you’ve ever applied for a loan, or had a loan or credit card, you’re likely to have a credit report. It’s basically a summary of your credit history and includes things like: 
- current credit (both used and available)
- loans applied for (including those made as guarantor)
- repayment history, and whether or not you are making payments on time
- payment defaults, where you are overdue by 60 days or more in making a payment
- bankruptcies
- court judgements

This credit report is collected by authorised credit reporting bodies, who get information from organisations like banks and utility companies.

If you’ve recently applied for a loan or credit card with ME, we might be able to give you a copy of your credit report – just get in touch and ask. 

You can also contact any of the credit reporting bodies that ME uses (Equifax (formerly known as Veda), Dun & Bradstreet and Experian) to ask for a copy of your report; you can get one free copy every year. (Keep in mind that not every credit reporting body will have information on you.)

If there’s an issue with how your credit information has been handled by ME, get in touch with us 13 15 63 or send us a message using internet banking.

To get access to the credit information ME holds on you, call 13 15 63 or send us a message using internet banking.

For sure – here are a few simple things that could help improve your credit score: 
- pay loans, credit cards and bills on time or set up direct debits
- redirect bills when you move
- close accounts you don’t need
- don’t make lots of loan or credit card applications in a short period of time

The credit reporting bodies ME works with also have tips on how to improve your credit score: check out the Equifax (formerly known as Veda), Dun & Bradstreet and Experian advice.
It’s also a good idea to check your credit report regularly, to make sure there aren’t any mistakes that could be affecting your credit score. And, if you do find a mistake, make sure you ask the relevant credit reporting body about it

At ME we use all three Australian credit reporting bodies: Equifax (formerly known as Veda), Dun & Bradstreet and Experian. (Their details are just below if you want to check them out.)

If you think there’s a problem with your credit report, you can contact the company responsible for the error (or we can help you ask them to correct it), or you can get in touch with the credit reporting body that produced your report – they’ll investigate and let you know what they find.

If you find an issue with the credit information ME has about you, get in touch on 13 15 63 or send us a message using internet banking.

ME or other lenders may ask credit reporting bodies to use credit information they hold about you to ‘pre-screen’ you for direct marketing. This helps us assess if a product offered is relevant to you.

You can ask credit reporting bodies to not allow your information to be used this way; the only catch is you’ll need to contact each of them separately. (The three main Australian are Equifax (formerly known as Veda), Dun & Bradstreet and Experian.)

If you’ve been the victim of fraud or identity theft, you can ask credit reporting agencies not to use the information they hold on you by getting in touch with them directly. (The three main Australian reporting agencies are Equifax (formerly known as Veda), Dun & Bradstreet and Experian.)

Still keen to find out more? Here are a few websites that should help you out:

-Office of the Australian Information Commissioner
-Australian Retail Credit Association
-Dun & Bradstreet (credit reporting body)
-Experian (credit reporting body)
-Equifax (formerly known as Veda) (credit reporting body)