23 Nov 2011
Dear AMELIA SMITH,
Thank you for your recent request - here is a copy of your credit file.
Veda holds credit related information obtained from a range of sources, such as from credit providers including banks, building societies and finance companies, as well as utilities such as electricity and telecommunication providers.
When you make an application for credit, such as applying for a credit card, the decision to approve or decline this credit rests solely with the credit provider.
Your credit information is not available to the general public. Only subscribers (i.e. those who have signed a subscriber agreement and are eligible to do so in accordance with the Credit Reporting Privacy Code 2004) and those acting under a statutory power may access this credit information.
This information may be accessed by our subscribers who may include:
credit providers utilities prospective landlords prospective employers prospective insurers debt collectors
people involved in court proceedings
certain public sector agencies acting under the law
In some instances, in order to access your credit file, some subscribers will require your consent e.g. credit providers whereas others may not require consent e.g. debt collectors.
Stay Alerted
It’s important that everyone monitors and understands their credit file for many reasons, one in particular being identity theft. My Veda Alert is one way to be alerted to possible identity theft, which is one of New Zealand’s fastest growing crimes.
Fraudulent people who might gain access to your details could then use them to apply for credit, in which case the credit check for their application could appear on your credit file, as well as any potential overdue
Ensuring Your Details are Accurate
Your credit history may be one of your most valuable assets so it is essential that it reflects a clear and accurate picture of your situation.
To query other information contained in this File
If you wish to query information, such as a default or credit application, please contact the company or business directly. If you are not satisfied with their response, please complete the attached Update Details Form and forward it, along with any supporting documentation to Veda via the email or postal address noted below. Types of supporting documentation may include; the receipt confirming an outstanding default has been paid, the receipt confirming the original amount of the default etc.
If your identity details (e.g. name, current address etc.) are not accurate or to query information such as Bankruptcy, Judgement or Public Notices, please advise us by completing the attached Update Details Form
and forwarding it with any supporting documentation to Veda via the email or postal address noted below. Types of supporting documentation may include; a copy of your Marriage Certificate, a recent (no more than 3 months old) utility bill confirming your current residential address.
Send the Update Details Form along with any supporting documentation (within 30 days of receiving your Credit File) to:
Email: publicaccess.nz@veda.com
Mailing Address: Veda (NZ) Limited
Public Access Information Services & Solutions (NZ) Private Bag 92156
Auckland Mail Centre Auckland 1142
The quickest way to get help with your credit file is to log onto our website www.mycreditfile.co.nz. Click on the “FAQs” page to assist you with any queries you may have about the information held on file for you. If you need to get in touch about the information on your file, please remember to quote the reference number at the top of this page.
Regards,
Hana Fuimaono
Identity Details:
These are the details you provided when you requested a copy of your credit file. We have used this information to produce your file.
Name:
AMELIA INGRID SMITH
Date of Birth:
01/01/1965
Gender:
Female
The following are other names by which you are also known to us:
AMELIA SMITH AMELIE SMITH
AMELIE INGRID SMITH
Address History
12 Queen Street, Auckland Central, Auckland 12 King Street, Panmure, Auckland
15 Hopetoun Road, Ponsonby, Auckland 12 Ponsonby Road, Ponsonby, Auckland City
Please note that the address information recorded is not a chronological list of addresses
because your address details are supplied for each credit application. Your current address
will be added to your credit report when you next apply for credit.
Summary of Information Contained within this Credit File
Other names you’re known as:
3
24mth Repayment History - Accounts
4
ID Verification:
NO
Public Notices:
1
Any reported Lost/Stolen ID?
YES
Insolvencies listed
1
Judgments listed:
1
No. of Enquiries made on your file
7
Defaults listed:
2
Directorships
1
24 Month Payment History:
Key: Account Status & Repayment History
Inactive (noutilisation)
Account has been deactivated Active Account is open
Suspended Account is suspended. This may be for a variety of reasons. Scheme of
Arrangement
An agreement between the Credit Provider and the Account holder (and other creditors).
Debt Sold Where a Credit Provider has sold the debt to another company who will attempt to recover the money owed.
Hardship
Hardship is any situation where a customer has asked for and the Credit Provider has agreed to, temporary relief from the terms of a credit contract due to being unable to meet that financial commitment.
External Debt Collector
An external company is working to recover money owed to the Credit Provider.
Closed Account is closed.
Re-aged Re-aging is a process of forgiving overdue balances of an account that has met certain criteria.
Guarantor Somebody who gives a guarantee, especially a formal promise to be responsible for somebody else's debts or obligations.
Creditor: Finance Company XYZ Account Status: Active
Creditor Type: Finance Company Opened Date: 17/01/2010
Product Type: Credit Card Closed Date: -
Account Number: xxxxxxx57493 Last Update: 05/07/2012
Account Limit: $15,000 Responsibility: Individual
Pay Frequency: Monthly Identity: AMELIA I SMITH
2012 2011 2010
Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3
Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul - U U H X 6 5 4 3 2 1 0 U N 2 3 1 H U 0 1 1 0
Creditor: Bank ABC Account Status: Active
Creditor Type: Bank Opened Date: 17/01/2010
Product Type: Mortgage Closed Date: -
Account Number: xxxxxxx57493 Last Update: 05/05/2012
Account Limit: $150,000 Responsibility: Individual
Pay Frequency: Monthly Identity: AMELIA I SMITH
2012 2011 2010
The Repayment History shows what credit accounts you have and whether you’re making your payments on time over the past 24 month period. Credit accounts include utility and mobile phone accounts as well as credit cards, loans and mortgages etc.
Your credit file may not reflect all your credit accounts as not all creditors supply information to us. The accounts below are the only ones that have been provided to us.
N No Payment Due/Required 0 Payments up-to-date as at the cycle date. Overdraft with limit agreed 1 Payments 1-29 days in arrears 2 Payments 30-59 days in arrears 3 Payments 60-89 days in arrears 4 Payments 90-119 days in arrears 5 Payments 120-149 days in arrears 6 Payments 150-179 days in arrears X Payments 180+ days in arrears H Customer in Hardship
R Account has been re-aged by credit provider
U No update received by end of period - Awaiting update for this period
Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3
Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Creditor: ANZ Account Status: Scheme of Arrangement
Creditor Type: Bank Opened Date: 17/01/2010
Product Type: Overdraft Closed Date: -
Account Number: xxxxxxx57493 Last Update: 05/07/2012
Account Limit: $1,250 Responsibility: Individual
Pay Frequency: Fortnightly Identity: A I SMITH
2012 2011 2010
Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3
Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul - U U 4 2 1 1 0 2 3 4 5 6 X X R 6 2 1 4 4 U N
Creditor: Finance Company Y Account Status: Closed
Creditor Type: Financial Services Opened Date: 20/03/2002
Product Type: Credit Card Closed Date: 29/05/2012
Account Number: xxxxxxx57493 Last Update: 05/06/2012
Account Limit: $650 Responsibility: Individual
Pay Frequency: Weekly Identity: AMELIA I SMITH
2012 2011 2010
Q2 Q1 Q4 Q3 Q2 Q1 Q4 Q3
Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul - U U H H H X 6 6 5 5 4 0 0 4 3 3 2 1 0 1 1 0
Credit Related Inquiries:
07/05/2004 Auckland Trading Bank
Reference: An application for an Overdraft account
Amount: $500
08/08/2003 South Island Trading Bank
Reference: An application for a Property Mortgage account
Amount: $100000
09/05/2002 Telephone Company
Reference: An application for a Utility account
Amount: $1000
07/04/2002 Finance Company of New Zealand
Reference: An application for a Loan Contract account
Amount: $10000
Credit related inquiries are created as a result of any applications for credit that you have made. These will remain on your credit file for five years.
Current regulation does not allow us to record whether your application was accepted, declined or has been paid in full.
You need to know that the decision to approve or decline your credit application is the responsibility of the credit provider and not Veda.
If you require any further information regarding any of this information, please contact the credit provider directly.
Other Inquiries made to your credit file:
07/05/2004 Rental Company
09/05/2002 Mobile Phone Company 03/02/2002 Employment Company
Below is a record of the inquiries made to your credit file.
This access may relate to maintaining and/or reviewing an entry that has previously been recorded on your credit file, such as, updating the status for a listed default or updating the current balance of a default. Or, the detailed inquirer may be entitled to periodically access your credit file because you have a continuing credit contract with them. Some access, such as official government
agencies, may not appear on this section.
Payment Defaults:
Auckland Trading Bank
listed a default on06/10/2008
It was advised that a Credit Card account with the reference 15928 where you were the principal account holder was listed as a payment default because of an overdue payment you failed to pay on 05/09/2008. To query this default contact Auckland Trading Bank on 0800000000.
Amount: The original amount was $5,000 and the current balance is $4,120. Dispute: Currently in dispute
Status: This account has not been finalised Correction:
Date: 20/11/2008
Subject is disputing this default
Finance Company ABC
listed a default on06/10/2007
It was advised that a Hire Purchase (household) account with the reference 01592901 where you were a joint account holder was listed as a payment default because of an overdue payment you failed to pay on 05/09/2007. For this account there is a Guarantor. To query this default contact Finance Company ABC on 0800000000.
Amount: The original amount was $8500 and the current balance is $2005. Dispute: Not in dispute
Status: It has been advised that the account was brought up to date on 01/01/2008
Collection Agency – Payment Defaults:
Collection Agency ABC
listed a default on06/10/2008
It was advised that a bank overdraft account with the reference 15930 where you were the principal account holder was listed as a payment default because of an overdue payment you failed to pay on 05/09/2008. To query this default contact Collection Agency ABC on 0800000000.
Amount: The original amount was $5000 and the current balance is $4120. Dispute: Not in dispute
Status: This account has not been finalised
A payment default is an account that has been overdue for more than 30 days and where steps have been taken to recover the amount owing. Examples of steps that may be taken to recover amounts owing include: referring the debt to a solicitor, collection agency or repossession agency for recovery or reminding the debtor about the amount owing. Payment defaults being recovered by a collection agency are listed separately in the following section.
Public Notices:
01/04/2009 Mortgagee Sale
Insolvency Information:
Details: It has been recorded that you entered into a Bankruptcy on 30/09/2004 with proceedings number 804463.
Status: Current Bankrupt
Court Judgments:
10/05/2000 Phone Company
Reference: A judgement was entered against you by Phone Company
Amount: $1,250
This is public information available from the NZ Gazette. These notices include Bankruptcy, No Asset Procedure (NAP) and Summary Instalment Orders (SIO). Some of these notices remain on your credit file for seven years from date of discharge.
Note: if there are multiple insolvencies listed (i.e. One NAP along with one bankruptcy or two bankruptcies) then these will remain on your credit file forever. Where this is the case, no Veda Rating will be supplied.
The financial affairs of a person declared insolvent are placed under the control of the Official Assignee. Veda receives notification of Bankruptcy Notices from the Ministry of Economic
Development (MED). This notice remains on a credit file for four years from the date of discharge.
Note: if there are multiple insolvencies listed (i.e. One NAP along with one bankruptcy or two bankruptcies) then these will remain on your credit file indefinitely. Where this is the case, no Veda Rating will be supplied.
Court Judgment information is publicly available information that is obtained from the courts. They are debts where judgment has been obtained against a consumer in the District or High Court.
Directorships:
Details: We have recorded that you are a director of RENTALS ABC LTD Company No: NZ1234567
Lost or Stolen Identification:
Reference: We have recorded that your store credit card was lost. This was reported to Veda on 26/05/2004.
Notes:
20/07/2012
Credit File note would display here
03/05/2012
Credit File note would display here
This information is sourced from the official Companies Office Register and lists the companies of which you are registered as a director.
This information remains on your credit file for seven years from the date the company was struck off the Register or if you cease to be a director of a company.
If you have reported any identification as lost or stolen to Veda it will be shown here to help prevent the fraudulent use of your identity. Its purpose is to advise any subscriber inquiring on your credit file that you have reported your identification lost or stolen.
My Veda Rating:
Please note, we do not score credit files where insolvency information is present (the VedaScore Rating above is an example for the purposes of the sample credit file)
Internal References
038257853
047485983
04872676
Credit ratings are based on the idea that your past credit experiences can predict your credit behaviour in the future.
The higher the rating the lower the statistical probabilities of credit risk. This assists credit providers to process your application for credit.
Your rating may change as new information is added to the credit file or old information is dropped from the file.
Update Details Form
1. Fields marked with an asterisk (*) must be filled in.
2. Please use BLOCK letters when completing the form
3. Attach all supporting documentation relating to the transaction and/or information you are disputing within your credit file
4. Ensure that the form is signed before sending to us.
5. If you would like to dispute any information and/or transaction within your credit file, you must do so within 30 days of receiving it
6. Please forward the completed and signed form to either the email or postal address noted below.
Post:
Veda Advantage (NZ) Ltd, Public Access Information Services & Solutions (NZ), Private Bag 92156, Auckland Mail Centre,
Auckland 1142, New Zealand
Email:
Details of the transaction and/or information you are disputing:
No. Date of Entry
DDMMYY
Entry you are disputing
(e.g. Consumer Credit Application, Identity Information)
Reasons why you are disputing the transaction/information.
Ensure you attach all supporting documentation
1
2
3
4
