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This was something I thought may happen, anyone who has a squeaky clean credit rating may end up with some attractive options. Its still going to take a long time before this data is collected etc and not all banks are on board. I make sure that I have alerts regarding my credit rating to...

Have these new changes effected you? your credit rating, anything adverse? Me, zip, nothing has changed from what I see, and yes I do sometimes pay my bills late over 5 days. Perhaps more hype than anything, or its going to take a long time before the system is up and running/fine tuned...

Thought I would get my credit report, have not noticed any new changes to my report and yes, I sometimes pay my bills late for whatever reason, but never ever mortgages;)

I believe what may happen is it will cost some people more to source finance as they may have no option but to use lenders with higher IR, I don't think this is new, however due to new criteria some will have no other options. Also, I don't believe the 5 day late payment is in action yet, it...

No offence taken, just stating what I have been advised.:)

There will be mountains of information to be added to files, this process will take time, it is not going to happen over night. I was also advised that it is not compulsory for credit providers to supply this information to Veda. If there is something negative placed on your file I read...