About Us

mycreditfilereport.com.au is wholly owned by The Academy of Finance Pty. Ltd. ACN: 124 771 400.

After over a decade in the credit/finance industry Nigel Brookson has developed a quantitative method of explaining what a credit file is with a 'Score Card' and shares the knowledge and process that creditors use when deciding whether to lend their money. Nigel's 6 'C' are the basis for all lending decisions that occur under the uniform consumer credit code (U.C.C.C.).

The 6 'C' of Loan Assessment are:

  • Credit. your past and current performance
  • Capital. assets you own
  • Capacity. can you afford the repayments?
  • Collateral. is security required for the loan?
  • Character. stability in work and home
  • Conditions. outside factors

(More detail will be available on these soon.)
In the ever growing world of credit your credit file is one of the most important items you own.
Click here for an example of the type of report you will receive
personally tailored to you and your situation.

If you have any question:

receive immediate help on 0408 808 968; across Australia.
OR Email:help@mycreditfilereport.com.auduring business hours in your state.

Click Here to read about dealing with brokers.