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一直看到坛子里有讨论关于个人信用记录的话题。各种推断，猜测，定论。也看到不时有足迹神卡诱惑着大家抢一个放到钱包里或者抽屉里。当然也有因为信用记录出了问题，贷款批不下来，急得跳脚的。
想想自己在这行也工作了好几年了，应该分享一下这方面的信息，如何管理自己的信用记录。尤其是马上comprehensive credit reporting(CCR) 就要实施了。迟迟没写，一来是懒啊，另一个原因是，不知道会不会一不小心说了不该说的东西。前两天看到一篇文章。写的挺好，简单易懂。有兴趣的可以自己看下面的英文原文。没兴趣看英文的，我就大概的用中文表述一下。首先声明，我用下面的文章作参考，这样可以把握信息透露的尺度，不是原文翻译。另外，如果感觉我的中文读着别扭，那我只能抱歉，因为一些词汇，不太知道中文应该怎么说。
什么是comprehensive credit reporting(CCR)？另一个说法叫Positive Bureau。这个是针对目前Credit Bureau的状况而提出来。在今年三月之前，澳洲的信用社credit bureau，都只有关于个人信用的负面信息。也就是说，破产，法院的判决，欠款不还啦。你试图在很多家金融机构申请credit等等。仅此而已。但是很快，情况会发生变化，澳洲作为发达国家的一员，将会成为最后一个推行CCR的国家。今年三月，会有很多政策性的变化（经过澳洲议会无数次的讨论， 终于通过了,不过力度还是远不如，英国这些国家）。
最主要的变化是会有更多的个人信息会被金融，通信，能源公司等提供给credit bureau。而拥有良好信用记录的人，会可以得到一定的优惠，比如向银行要求较低的贷款利率等。以后credit bureau不仅会知道你有没有default，也会知道你有没有每个月按时还款。 只要有一次不按时还款，都会被记录在案。以前一般是超过90天或120天不还款才会被报告到credit bureau。（说到这里， 我自己也有点紧张呢，以前也偶尔会信用卡超过几天才还。以后一定要小心了。）另外，credit bureau还会统计你一共有几个账户，是哪些金融机构提供的。什么时候开的账户，什么时候关闭的。如果你有太多的信用卡（3+）的话，申请房贷时可能会被特别审查哦。再有，就是你的现有信用额度也会被计算出来，作为信用评分的因素之一。所以一味的增加你的credit card limit也不一定是好事啊。
还有很重要的一点，在申请信贷产品是，不要过多的shop around。千万不要这家也申请，那家也申请。你可能觉得是为了挑便宜，银行会觉得你是被多家拒绝，有问题，才到处申请。可以事先做好调查，选准了，再下手递交申请表。每次你申请表递上去，信用社那里就给你记了一次啦。
http://australia.creditcards.com ... t-reporting-622.php
Prepare now for comprehensive credit reporting
By Daniel Ross
With the new comprehensive credit reporting system looming in March, credit reporting agencies are urging consumers to start looking at their credit behaviour now.
Under the new system, your credit report will include the opening and closing dates for all your credit accounts, the type of credit for each account, names of creditors and credit limits. Creditors may retroactively give the reporting agencies information about your credit history going back to December 2012, though most are not expected to go back any further than December 2013.
Comprehensive credit reporting comes as part of a much larger package of reforms designed to strengthen existing privacy laws. According to Belinda Diprose, marketing manager for the credit-reporting agency Veda, the latest reforms also will:
• Ensure that the additional data on credit reports isn't used for marketing purposes
• Increase the legitimacy of external dispute resolutions
• Extend the ban period surround identity theft -- if your identity is stolen, you can freeze access to your credit report for an extendable 21-day period
But the major changes are intended to make credit reports a more accurate picture of a person's credit worthiness by recognizing good behaviour as well as bad. Below are four tips for making the most of the impending changes.
1. Make all your payments by the due date
While negative-data reporting in the current system allows consumers to make payments up to 120 days late without seeing their credit history impaired, Steve Brown, director of Consumer Risk Solutions at Dun & Bradstreet says that the new comprehensive system will follow payment histories with far greater scrutiny.
Because of the retroactive reporting, your payment history now is important, even though the new rules are not in effect yet. "I know it may sound simplistic or trite, but do ensure that you make all your account payments each month on time," says Brown.
Brown acknowledges that the new system gives consumers a five-day grace period after a payment is due before it is reported as late, but encourages consumers to not rely on it.
"We strongly suggest that consumers don't work to exploit that grace period in case of any processing problems or any difficulty in recording those transactions," he says. Plus, all normal interest rates will still apply during that period.
Brown says those in particularly dire financial straits should talk to their credit providers and try to reach an alternate arrangement, or consolidate loans.
"Sometimes there are those occasions where you just can't pay on time," he says. "While that might not stop you having the delinquency on your file, it may stop it from escalating further, which could lead to court action."
2. Make the most of a second chance
Negative-data reporting is called that for a reason -- only derogatory information, such as defaults and bankruptcies, are included in the report. Comprehensive credit reporting, on the other hand, looks at the broader picture. That means consumers with bad credit histories will have the opportunity to make up for prior mistakes over time.
"One of the key points to many people who have had credit problems in the past is that this is an opportunity to almost wipe the slate clean," says Brown.
That doesn't mean any previous defaults and bankruptcies will be expunged from your report. But if you illustrate a willingness to manage your credit better -- make payments on time and reduce existing debts, for instance -- your report will call attention to and reflect those efforts.
"You don't need to lose heart, even if you have had a transgression in the past," says Brown.
3. Familiarise yourself with your credit report
Under the new system, Aussies can access their credit reports once a year for free. This is great news for a country that tends to regard credit reports with an upturned nose.
"Eighty per cent of Australians have never checked their credit history," says Diprose. "But it's now going to be more important than ever for them to actively manage their credit report. You're going to find that it will change monthly."
Those monthly updates won't be immediate, as it will take some time for credit agencies to compile the necessary information to start updating credit scores regularly. "I think it will take 12 to 18 months before you see things really ramping up," says Diprose.
"I like to use the analogy of the picture slowly coming into focus in the dark room. Gradually, you'll see more and more information materialise on your file as the months pass," says Kim Jenkins, managing director of Experian A/NZ.
4. Be smart about credit applications
The new system factors the number of accounts you have open, as well as the number of times you've applied for credit. According to Jenkins, credit providers use those figures to determine what kind of credit risk you might pose.
"If a person has three or more accounts, they're twice more likely to default on their debt than a person with one or two accounts," says Jenkins. But the type of loan matters, too -- someone with a house and car loan as well as a credit card is considered a normal risk for credit, while someone with three or more credit cards tends to be kept at arm's length.
According to Jenkins, there's a similar equation for credit card enquiries:
"People who have made five or more enquiries are three times more likely to have a default at some point," she says.
Jenkins suggests shopping around and doing your homework before you actually sit down and fill out an application.
"Don't do your homework by submitting application forms," she says.
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想念嘟嘟——小博美 (2007-10-31) 冷空气 
发表于 2014-2-3 14:52
