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Think about it logically. Your Veda report doesn't know if you're buying in a Cat 1 or Cat 5 location. It doesn't know about the LVR (on anything in a borrowers portfolio). It doesn't even know the address of existing properties. It doesn't know how much super you've got, your income or your...

Given that lenders have their own credit scoring mechanism which incorporates significantly more data that appears on your credit report, I don't think it would be prudent to rely on Veda to provide you with your credit score. It may be an indicator, but the number on your Veda report isn't the...

The number of credit equiries has an effect on your credit score. Lots of other data points also have an effect. This includes the history of where you live, your job type and history, level of debt, LVR, location of property, lots and lots of other data points which you'd never think of...