Register to Vote At Your Current Address
Lenders will look at the electoral roll as a precaution against fraud, check that you live where you say you do, and address history. If you haven't been registered before with all other official registrations, it can negatively affect your application. They will also memorize your address and might not let you move or change it in the future. This could be difficult to buy a property you want to change into your own house later on. Registering yourself at any address, even temporary and short-term addresses, may help your credit rating in the future by using regular installments in ways like paying for electricity, gas or water bills – which lenders can see!
Review Your Credit Report Regularly
Lenders use your credit report to make their decision. Under the Consumer Credit Act, you have a right to see your report held by each credit reference agency. Be careful! If you opt for the 30-day free trial, a monthly fee applies after the trial ends, and you must cancel the trial if you do not wish to pay the fee. Make sure your report is up to date and accurately reflects your circumstances. Look out for any suspicious entries that look unfamiliar to you, as this could be a sign of identity fraud. Check your financial associations with people and ensure they are correct. If you wish to remove an association with someone, complete an association disassociation form.
Space Out Credit Applications
Applying for credit multiple times within a short period is a red flag to lenders. You should avoid applying more than once per month and make it your goal to leave at least a few months between applications. Make sure the personal information (such as how long you've lived at your address or your current employment status) remains the same in each application you submit. If it turns out you have been less than honest on one of your finance applications, the lender might refuse it and flag your account for further review.
Keep Up With Existing Repayments
It is important to borrow responsibly, so do what you can to make sure your borrowing needs are manageable into the future with clear repayment plans in place. If you're experiencing challenges and need to talk to your lender, feel free to reach out, especially if you'd like to discuss different repayment schedule options. Getting a fresh start from an old debt is something many people experience. If that sounds familiar, our specialist teams have various ways of helping build those all-important credit histories through our flexible financial solutions!
Protect Your Identity
Protect your personal and financial information by shredding any paperwork that may contain it. (Finally, don't forget to take out the trash!) Be wary of anyone who asks you for money or personal information on the phone, including family members and government organizations. Prevent your identity from being stolen by checking your bank statements regularly to ensure that no unauthorized purchases are being made in your name, but remember always to keep a written record of errors, as banks often ignore verbal promises to refund the stolen money.
If you want to find out about car loans on centrelink or Centrelink loan for car, call us to speak to one of the representatives today. Know more on Pensioner car loans visit our website.
Source URL: https://www.freedomcars.com.au/news
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