Fixing your Credit File can be as easy as 1..2..3
The first step to fixing your credit file is to obtain the latest copy of your file from Veda Advantage or Dunn & Bradstreet.
Veda Advantage is the organisation in Australia that maintains consumer Credit Files. They provide a range of services that helps individuals and businesses view and keep track of entries made on their credit files.
Veda Advantage website: www.mycreditfile.com.au and Credit Files can be obtained as follows:
- Express (One working day)
- Express (One working day) with 12-Month Credit Alert
- Standard (10 working days) *Free*
Before starting the removal process, please ensure that you have the most up-to-date information. Where the file is complicated, Visage Credit Repair advises its customers to take the Express service and use the option of the 12-month Credit Alert. This give us real-time information on changes to your credit file, and can speed up the process significantly.
The second step is to contact Visage Credit Solutions for an obligation-free assessment of your credit file.
You can contact one of our offices or use our handy web form to provide us your details. One of our staff will contact you, normally within 48 hours, to discuss your credit file. We will examine each of the entries in detail to determine the likelihood of removal. We may also ask you to find copies of supporting documentation which will help us in our negotiations.
The cost of removal depends on the number, age and type of entries that appear on your file. After obtaining a copy of your credit file from you. The decision is then yours as to how you would like to proceed.
Once you have made your decision to proceed, the third step is to appoint Visage Credit Repair to negotiate on your behalf.
You will need to sign our Service Agreement, which is a document that explains and agrees the costs and terms of our service. You will also need to sign the Authority to Act which shows the other parties that we have your consent to discuss your file with them.
With these two documents in place, we will then commence working on your file. It is not easy to say exactly how long this process will take, however based on our experience we can usually give you a reasonable estimation.
During this time we may need you to provide us with various documents and evidence. Please try to keep copies of invoices, receipts, cheques handy so as not to delay the process.
As soon as we have a result we will call you. You should once again check your credit file to confirm that the entries have been removed. All going well, you can then proceed with your credit applications.