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You can subscribe to Veda for $89 a year and this will give you credit report every quarter. This also includes a monthly update regarding your credit score. This score can give you a pretty good idea of your credit file's risk ranking. You can read more here...

I was scrolling down and reading through the comments with a serious face. then this..... hilarious! almost spat out my drink. :D

This person might find it hard later on trying to get a mortgage. Every new credit card application, or any credit application per se, is a hit on your credit file. It will stay there for so many years. This could work against you later down the track when lenders look at your credit file and...