My Credit File Date: 23 May 2013 AMELIA INGRID SMITH Your Reference:

Transcription

1 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 accounts in the form of credit default information. MCFP

2 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 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 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: Mailing Address: [email protected] Veda (NZ) Limited Public Access Information Services & Solutions (NZ) Private Bag Auckland Mail Centre Auckland 1142 The quickest way to get help with your credit file is to log onto our website 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 Customer Services Operations Manager

3 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 Collection Agency Defaults listed: 1 Age of Credit File 9 Yrs. 5 Mths

4 24 Month Payment History: 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. Key: Account Status & Repayment History Inactive (no utilisation) Active Suspended Scheme of Arrangement Debt Sold Hardship External Debt Collector Closed Re-aged Guarantor Account has been deactivated Account is open Account is suspended. This may be for a variety of reasons. An agreement between the Credit Provider and the Account holder (and other creditors). Where a Credit Provider has sold the debt to another company who will attempt to recover the money owed. 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. An external company is working to recover money owed to the Credit Provider. Account is closed. Re-aging is a process of forgiving overdue balances of an account that has met certain criteria. Somebody who gives a guarantee, especially a formal promise to be responsible for somebody else's debts or obligations. N No Payment Due/Required Payments up-to-date as at the cycle 0 date. Overdraft with limit agreed 1 Payments 1-29 days in arrears 2 Payments days in arrears 3 Payments days in arrears 4 Payments days in arrears 5 Payments days in arrears 6 Payments days in arrears X Payments 180+ days in arrears H Customer in Hardship Account has been re-aged by credit R provider No update received by end of U period - Awaiting update for this period Status not available 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 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 U N H U 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

5 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 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 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 X X R 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 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 Credit Related Inquiries: 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. 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: $ /05/2002 Telephone Company Reference: An application for a Utility account Amount: $ /04/2002 Finance Company of New Zealand Reference: An application for a Loan Contract account Amount: $10000

7 Other Inquiries made to your credit file: 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. Inquiries listed here will remain on your credit file for five years. 07/05/2004 Rental Company 09/05/2002 Mobile Phone Company 03/02/2002 Employment Company

8 Payment Defaults: 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. Payment defaults remain on a credit file for five years, even when the amount is paid in full. Auckland Trading Bank listed a default on 06/10/2008 It was advised that a Credit Card account with the reference 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 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 on 06/10/2007 It was advised that a Hire Purchase (household) account with the reference 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 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 on 06/10/2008 It was advised that a bank overdraft account with the reference 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 Amount: The original amount was $5000 and the current balance is $4120. Dispute: Not in dispute Status: This account has not been finalised

9 Public Notices: 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. 01/04/2009 Mortgagee Sale Insolvency Information: 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. Details: Status: It has been recorded that you entered into a Bankruptcy on 30/09/2004 with proceedings number Current Bankrupt Court Judgments: 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. Judgments remain on a credit file for five years, even when the amount is paid in full. 10/05/2000 Phone Company Reference: A judgement was entered against you by Phone Company Amount: $1,250 Status: We have not been advised that this judgement has been finalised.

10 Directorships: 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. Details: Company No: We have recorded that you are a director of RENTALS ABC LTD NZ Lost or Stolen Identification: 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. Reference: We have recorded that your store credit card was lost. This was reported to Veda on 26/05/2004. Notes: Any notes held on file 20/07/2012 Credit File note would display here 03/05/2012 Credit File note would display here

11 My Veda Rating: 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. 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 These numbers are used for internal administration of your credit file

12 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 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

13 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 *Signature: Date: If you have not completed this form correctly and/or not attached the relevant supporting documentation this may result in a delay in processing your request. UDF