+ Reply to Thread
Results 1 to 10 of 10
  1. #1
    Join Date
    Oct 2010
    Posts
    748
    Thanks
    184
    Thanked
    75
    Reviews
    0
    Achievements:Topaz Star - 500 posts

    Default Credit Reports and something on it that I don't recall :(

    Hi,

    We're currently in the process of getting a new family car and I got both of our credit reports yesterday. All was good on DH's and mine except for on mine in the other-file access part at the end (can't be seen by anyone but me & veda) there was an entry for the 30th of June 2014 by ACM GROUP NB. I can figure out why someone would have accessed my file around then and I'm wondering why they did. My bills are always paid on time and there are no other entries in any other sections such as a credit enquiry. Does anyone have any ideas why this would be there. It isn't on DH's file either which would be a bit strange because everything is always in joint names??? I'm a bit puzzled Thanks in advance

  2. #2
    Join Date
    Jul 2014
    Posts
    936
    Thanks
    651
    Thanked
    377
    Reviews
    1
    Achievements:Topaz Star - 500 posts
    Sorry I'm not really sure but that date is the end of the financial year so it could have something to do with them settling an account as they are a debt collection company. It would be best to contact them to see exactly what's going on and if it's correct.

  3. The Following User Says Thank You to azelqra For This Useful Post:

    Ready To Run  (29-10-2014)

  4. #3
    Join Date
    Jul 2013
    Posts
    4,040
    Thanks
    3,330
    Thanked
    1,926
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    Awards:
    200 Posts in a weekBusiest Member of the Week100 Posts in a week
    ^^this

  5. The Following User Says Thank You to HeavenBlue For This Useful Post:

    Ready To Run  (29-10-2014)

  6. #4
    Join Date
    Jun 2012
    Location
    Brisbane
    Posts
    1,061
    Thanks
    915
    Thanked
    664
    Reviews
    0
    Achievements:Topaz Star - 500 posts
    Quote Originally Posted by Qrazelna View Post
    Sorry I'm not really sure but that date is the end of the financial year so it could have something to do with them settling an account as they are a debt collection company. It would be best to contact them to see exactly what's going on and if it's correct.
    Just did a quick google on ACM Group and they are debt collection agency who handle things like overdue credit cards, phone bills, etc. So it must have been something like this. If you've never had an overdue bill then I'd be questioning why they accessed it. No-one is allowed to access your credit report without reason.

  7. The Following User Says Thank You to littlelove For This Useful Post:

    Ready To Run  (29-10-2014)

  8. #5
    Join Date
    Oct 2010
    Posts
    748
    Thanks
    184
    Thanked
    75
    Reviews
    0
    Achievements:Topaz Star - 500 posts
    I have contacted ACM Group and they have no record of me or having accessed my file. Like I said it's not anything that can be seen by anyone I apply for credit with however they have accessed it. So they gave me VEDA's number and I called them and they said there is nothing more they can tell me and that ACM Group would need to tell me the reason and to call them. So I have just called them back and they have no reasoning for me and can't tell me why my file was accessed because I'm simply not on their record. So I'm quite puzzled???

  9. #6
    Join Date
    Aug 2011
    Location
    Perth WA
    Posts
    4,026
    Thanks
    1,002
    Thanked
    908
    Reviews
    12
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 posts
    Awards:
    100 Posts in a weekBusiest Member of the Week - Most posts for the week ended 26/6/14
    Can you ask them to confirm address etc? Perhaps there is someone with the same name they are chasing

    Sent from my GT-I9195 using The Bub Hub mobile app

  10. The Following User Says Thank You to Me&Smooches For This Useful Post:

    Ready To Run  (29-10-2014)

  11. #7
    Join Date
    Oct 2010
    Posts
    748
    Thanks
    184
    Thanked
    75
    Reviews
    0
    Achievements:Topaz Star - 500 posts
    Quote Originally Posted by littlelove View Post
    Just did a quick google on ACM Group and they are debt collection agency who handle things like overdue credit cards, phone bills, etc. So it must have been something like this. If you've never had an overdue bill then I'd be questioning why they accessed it. No-one is allowed to access your credit report without reason.

    I have done the same search. We don't have a credit card and the only other bills we have are rent, phone, power & things like our rego which wouldn't come into it. I'm quite diligent with our finances and budgeting and everything is always paid before the due date. I credit money off my phone & power bill every fortnight and they always are in credit when the bill arrives. Our rent is 2 weeks in advance. I simply don't understand. My credit rating is very good so I shouldn't even care but I was just wondering why that is all. Thanks everyone

  12. #8
    Join Date
    Jul 2014
    Posts
    936
    Thanks
    651
    Thanked
    377
    Reviews
    1
    Achievements:Topaz Star - 500 posts
    Quote Originally Posted by Ready To Run View Post
    I have contacted ACM Group and they have no record of me or having accessed my file. Like I said it's not anything that can be seen by anyone I apply for credit with however they have accessed it. So they gave me VEDA's number and I called them and they said there is nothing more they can tell me and that ACM Group would need to tell me the reason and to call them. So I have just called them back and they have no reasoning for me and can't tell me why my file was accessed because I'm simply not on their record. So I'm quite puzzled???

    If they aren't telling you and you would like to find out why (which you have every right) you may need to put it in writing and attach a copy of a record of them accessing it if that is at all possible. Bit of a hassle though if it's not really bothering you.

  13. The Following 2 Users Say Thank You to azelqra For This Useful Post:

    Ready To Run  (29-10-2014),VicPark  (29-10-2014)

  14. #9
    Join Date
    Oct 2010
    Posts
    748
    Thanks
    184
    Thanked
    75
    Reviews
    0
    Achievements:Topaz Star - 500 posts
    Quote Originally Posted by Me&Smooches View Post
    Can you ask them to confirm address etc? Perhaps there is someone with the same name they are chasing

    Sent from my GT-I9195 using The Bub Hub mobile app
    I'm thinking that may possibly be the case but they don't seem to have any record of my name to possibly they were looking for someone else and spelled their name slightly wrong or something.

  15. #10
    Join Date
    Jul 2010
    Location
    on a sandy beach!
    Posts
    6,329
    Thanks
    336
    Thanked
    2,197
    Reviews
    0
    Achievements:Topaz Star - 500 postsAmber Star - 2,000 postsAmethyst Star - 5,000 posts
    Quote Originally Posted by Ready To Run View Post
    I'm thinking that may possibly be the case but they don't seem to have any record of my name to possibly they were looking for someone else and spelled their name slightly wrong or something.
    We have had something happen very similar telstra hassling is sending us bills with Lappy as surname and they said oh well just pay it um no it's not our surname!!!! It's spelt different lol. Our mortgage guy says do checks with VEDA came back clear and was fine

  16. The Following User Says Thank You to monnie24 For This Useful Post:

    Ready To Run  (29-10-2014)


 

Similar Threads

  1. Recall of baby monitors due to 2 deaths
    By grooviechic35 in forum General Chat
    Replies: 15
    Last Post: 22-11-2013, 17:23

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
free weekly newsletters | sign up now!
who are these people who write great posts? meet our hubbub authors!
Learn how you can contribute to the hubbub!

reviews
learn how you can become a reviewer!

competitions

forum - chatting now
christmas gift guidesee all Red Stocking
WaterWipes
Give your babies bottom a gift this Xmas! They are the only wipe made using just water and a drop of grapefruit seed extract and may help avoid nappy rash. Check out the great reviews on bubhub and see our website for more info and availability.
sales & new stuffsee all
Pea Pods
Buy 2 Award Winning Pea Pods Reusable One Size Nappies for only $38 (in your choice of colours) and receive a FREE roll of Bamboo Liners. Don't miss out, we don't usually have discounts on the nappies, so grab this special offer!
Special Offer! Save $12
featured supporter
Hills Swimming Kenthurst
Located in the beautiful suburb of Kenthurst and boasts a heated 25m pool. We conduct world-leading Baby and Parent Classes, Preschool Classes, School Age and Squad Training. Our classes are small, our service personal and our quality of the highest.
gotcha
X

Pregnant for the first-time?

Not sure where to start? We can help!

Our Insider Programs for pregnancy first-timers will lead you step-by-step through the 14 Pregnancy Must Dos!