How a credit rating in Australia is determined

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I live in Perth, Australia, I want to know what and how your credit rating is worked out.
Obviously it takes into account late payment of bill and outstanding debts and all that, but is there anything else that you might not think would be included? also, is there any way to check your credit rating without applying for something or paying a bank to do it???

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2 Responses to “How a credit rating in Australia is determined”

  1. cool985044 Says:

    Credit rating is based on payments made on time and debts carried over from month to month. I was trying to find a web site but could not find any quickly while at work

  2. Dzo Says:

    Hi,

    Check out http://financeguru.consumerspot.info for some useful info and tips on how a credit rating is worked out. Good luck!

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