What Is A Credit Check?

Credit checks are also known as ‘credit history checks’ or ‘credit reference checks’. Lenders carry out credit checks when individuals or businesses apply for a line of credit.

This includes applications for:

  • credit cards
  • personal loans
  • mobile phone plans
  • store cards
  • mortgages
  • rental leases

In Australia, lenders (such as banks and credit card companies) usually contact an independent credit bureau (such as Equifax) to access a credit file or credit report.


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