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Posted 15 February 2013 - 08:35 PM
Applied for a loan 2 odd months ago,got turned down due to bad credit. Checked it out found it was from an account 5 years ago from Telstra! Spent 3 hours on the phone to them today,getting transferred to 12 people before we got it sorted and it was complete telstras stuff up and has been rectified. Would you leave it at this or seek some sort of compensation.
And please don't start on why does everyone want to seek compensation etc!
Posted 15 February 2013 - 08:49 PM
i'd go for the loan again, hopefully your credit history is cleared. not sure what compensation you would get, unless not getting the loan meant you were significantly financially disadvantaged?
TBH i'd just move on and never go with telstra again.
Posted 15 February 2013 - 09:50 PM
No don't be going for the loan again, you need to obtain a copy of your credit report, and make sure it is removed from your file. If it has not been removed, your loan will be turned down again. In addition, some credit providers check how many times an inquiry has been made on your file, regardless of whether it was finalised or approved, and if you go over a predetermined amount in a time period, they decline your finance application. Google Veda advantage, you should be able to get a copy of your credit file there.
Posted 15 February 2013 - 09:59 PM
Absolutely check your credit history is cleared before you go for another loan. Even just getting too many pre-approvals on a home loan can damage your rating, so don't apply unless you know you will get it.
Posted 15 February 2013 - 10:04 PM
I am beyond angry over this and they were so blaize about it:(
Posted 15 February 2013 - 10:08 PM
In 14 working days I'd check your credit report, the website is mycreditfile it's $33.00 I think from memory. It wont be wiped instantly it does take a few working days. Once it's updated then maybe try again or talk to who you went to credit for to enq if they would re-consider if you produced a copy of your credit report, better then having multiple checks on your credit file.
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