HALF a million Australians have lied or omitted information on a credit application.
DATA bureau Veda, which provides information and analysis to lenders and borrowers, said its research found three per cent of Australians had admitted being less than straight-forward on their applications.
"It's really a form of fraud if people are doing that," Veda spokeswoman Belinda Diprose said.Recent changes in legislation will allow lenders to see a range of credit details that expose lies and omissions, she said.The newly available information includes: when accounts are opened and closed, the type of account, the credit limit and, importantly, the repayment history."It gives lenders a much more complete picture when they're assessing you for credit," Ms Diprose said."It also gives consumers the opportunity to be a lot more proactive in managing their credit history."Veda says it is just as alarming that 2.1 million Australians, or 13 per cent of those using credit, are at risk of default in the next year.This is a slight reduction from the previous year, down from 15 per cent.Veda found 601,380 people, four per cent of credit users, were classified as being at high to extreme risk.Veda records a default if borrowers and billpayers are more than $150 and 60 days overdue.The survey results are part of the second annual Veda Australian Credit Scorecard, combining analysis of 955,000 individual credit scores with separate research on 1000 Australians.Despite the risk of default, Veda's research found 79 per cent of Australians were not concerned about their credit history, and 78 per cent have never checked their credit report.And when it comes to financial savvy, women come out ahead of men.Two-thirds of women expressed financial confidence, compared to 58 per cent of men.Anda sedang membaca artikel tentang
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