Credit files are held by Veda Advantage Information Services and Solutions Ltd, formerly Baycorp Advantage Limited and Credit Advantage Limited and CRAA.

How can I access my file?

You can write to Veda and ask for a copy of your file to be sent to you within 10 working days. This is a free service.

The address to use is:
Veda Advantage Information Services and Solutions Ltd
PO Box 964
North Sydney,
NSW, 2059

For further assistance, Customer Service Centre can be contacted via:
Phone (free call): 1300 762 207
Fax: (02) 9951 7880
Email: assist.au@vedaadvantage.com

You will need to provide the following information:

• Your full name
  
• Your date of birth
  
• Your driver's licence number
  
• Your current residential address
  
• Your previous addresses
  
• Your current employer or a previous employer
  
• Name of the organisation to which you last applied for credit
  
• A daytime telephone number
  
• Your signature
  
• How you would like your file sent to you, via post, fax or email

Files can be ordered using the Premium Service. Veda despatch these files within one working day for a small fee.  Your file can be sent by email, fax or post.  You can pay by Bpay or credit card.   Phone (free call): 1300 762 207    or visit the website at   
http://www.mycreditfile.com.au/home/home_default.aspx

Can I get somebody else's file?

NO !! – due to privacy you can only request your own file - you cannot access a file for any other person.

How long do notations last for on my Veda file?

Generally speaking, notations on a Veda file remain for 5 years from the date of the default.  After 5 years, default notations are usually erased. Bankruptcy notations stay on for seven years.

How can I have a notation removed from my Veda file?

Even when a previously defaulted debt is paid, the default notation remains on the Veda file, but a notation that the debt has been paid can be added. This notation stays on your file for the same period of time that it would if the debt was unpaid, and is rarely removed within this time. It is usually difficult to get a notation of default removed unless you can prove to Veda that the default should never have been put there in the first place. If you believe that a notation is incorrect, you should contact Veda on (free call): 1300 762 207, and arrange to put your case to Veda for the removal of the disputed notation.

Who do I go to if I want to make a complaint about my Credit File?

The appropriate person to contact about any problems with your Veda file is the Privacy Commissioner, who can be contacted by telephone on 1300 363 992 (for the cost of a local call anywhere in Australia, mobile & pay phones may incur higher charges) or by post at:
GPO Box 5218
SYDNEY NSW 1042
or by email at:
privacy@privacy.gov.au  
or by fax at: +61 2 92849666
or at their website at:
http://www.privacy.gov.au 

For further information about Veda Advantage Limited:
Contact their website at:
http://www.mycreditfile.com.au/home/home_default.aspx   

DISCLAIMER The information provided in this information sheet is of a general nature only, and is not intended to be legal advice. There may be errors or inaccuracies or the information may not be completely up-to-date. Always check the information provided before relying on it. The information relates to consumer law in New South Wales, Australia.