Filename: Equifax_Credit_Report_2024-11-12_1.pdf
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Credit Report
ABUL HOSSAIN
Report date: 11 Nov 2024
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ABUL
HOSSAIN
410
Credit Score
Date :
11 November
2024
Rating
Below Average *
Contributing Factors
Impact
1 Frequent applications for credit or loans
ââ
2 Applying for lesser types of credit or lenders
â
3 Mortgage Applications
â
4 Frequent or recent unsecured loan applications
â
Score History
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2023
2024
Defining the impact
Significantly decreases score
âââ
Moderately decreases score
ââ
Slightly decreases score
â
Slightly increases score
â
Moderately increases score
ââ
Significantly increases score
âââ
Legend
Excellent:
853 - 1200
Very Good:
735 - 852
Good:
661 - 734
Average:
460 - 660
Below Average:
0 - 459
Data Unavailable
*For additional information about your credit rating, refer to the Credits Ratings - Explanation Statement located at the end of this report.
1 Every time you apply for credit, the provider puts an enquiry on your credit file. Frequent enquiries or from more than 3 different lenders can hurt your score. Aim
to spread out applications. 2 The types of credit and lenders are important to your score. Avoid applying for too many unsecured credit accounts and using non-bank
lenders, as these can lower your credit score. 3 Applying for residential property loans is an indicator of being in a good credit position which is good for your credit
score. 4 More frequent or recent unsecured loan applications (not secured by an asset) can negatively impact your credit score. Try to spread out your unsecured
loan enquiries.
Equifax Australia Information Services and
Solutions Pty Limited
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ABN: 26 000 602 862
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ABUL
HOSSAIN
Table of Contents
ABUL HOSSAIN
Personal Information
Page 4
Credit Overview
Page 5
Summary
Page 6
Credit Enquiries
Consumer Credit Enquiries
Page 7
Commercial Credit Enquiries
Page 8
Business Relationship Information
Previous Directorship
Page 9
Others
File Access
Page 11
Credit Ratings - Explanation Statement
Appendix
Equifax Australia Information Services and
Solutions Pty Limited
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ABN: 26 000 602 862
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ABUL
HOSSAIN
Personal Information
Identity Details
Name:
ABUL HOSSAIN
Date of Birth:
01 Jun 1976
Gender:
Male
Drivers Licence Number:
22249040
File number:
826405941
Current Address:
2 NOYEAU Street WOODSTOCK NSW 2793
Previous Addresses:
4 ROSEBANK Avenue EPPING NSW 2121
32/34 EDENSOR Street EPPING NSW 2121
Current Employer:
CMSN GROUP PTY LTD
Previous Employers:
UBER
* Addresses & employment details ordered as in bureau.
Equifax Australia Information Services and
Solutions Pty Limited
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ABN: 26 000 602 862
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ABUL
HOSSAIN
Credit Overview
Account Details
Total combined credit limit:
$0.00
Number of active credit accounts:
0
Number of closed credit accounts:
0
Number of overdue accounts:
0
Number of missed repayments:
0
Equifax Australia Information Services and
Solutions Pty Limited
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ABN: 26 000 602 862
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ABUL
HOSSAIN
Summary
Credit Enquiries
Consumer Credit Enquiries
10
Commercial Credit Enquiries
2
Commercial Authorised Agent Enquiries
0
Insolvency and Court Judgements
Bankruptcy Act Information
0
Court Judgements
0
Accounts, Repayment History and Financial Hardship Information
Consumer Accounts
0
Commercial Credit Providers
0
Overdue Accounts
Consumer Overdue Accounts
0
Commercial Overdue Accounts
0
Business Relationship Information
Current Directorship
0
Previous Directorship
5
Disqualified Directorship
0
Proprietorship
0
Other
Bans
0
Complaints
0
File Notes
0
File Access
50
Equifax Australia Information Services and
Solutions Pty Limited
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ABN: 26 000 602 862
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ABUL
HOSSAIN
Credit Enquiries
Consumer Credit Enquiries
Enquiry Date
Credit Provider
Reason for enquiry
Amount
Association
Reference No.
05 Nov 2024
WISR
FINANCE PTY
LTD
Personal Loan (Fixed
term)
$45,000.00
Principal's
Account
788251
25 Jul 2024
ZIPMONEY
PAYMENTS P/
L
Personal Loan
(Revolving)
$0.00
Principal's
Account
16273412
22 May 2024
BANK OF
WESTERN
AUSTRALIA
Real Property
Mortgage
$539,746.00
Principal's
Account
13506022-409
27 Dec 2023
NAB
PERSONAL
LOANS
Personal Loan (Fixed
term)
$35,000.00
Principal's
Account
502583426
02 Aug 2023
WESTPAC
CREDIT CARD
Credit Card
$0.00
Principal's
Account
CC1051306051
13 Apr 2023
VODAFONE
DECISION
POINT
Telecommunication
Services
$0.00
Principal's
Account
12 Oct 2022
VODAFONE
DECISION
POINT
Telecommunication
Services
$0.00
Principal's
Account
13 Jul 2022
WOOLWORTHS
MOBILE
Telecommunication
Services
$2,329.00
Principal's
Account
18 Jan 2022
NAB CREDIT
CARDS
Credit Card
$4,000.00
Principal's
Account
377371941
16 Jan 2022
VODAFONE
DECISION
POINT
Telecommunication
Services
$0.00
Principal's
Account
Equifax Australia Information Services and
Solutions Pty Limited
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ABN: 26 000 602 862
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ABUL
HOSSAIN
Commercial Credit Enquiries
Enquiry Date
Credit Provider
Reason for enquiry
Amount
Association
Co Borrower
Reference
No.
13 Apr 2023
OPTUS
FINANCIAL
SERVICES.
Telecommunication
Services
$0.00
Joint
4012834602180D1
11 Oct 2021
BOQ ASSET
FINANCE
Lending Proposal
$24,000.00
Principal's
Account
Equifax Australia Information Services and
Solutions Pty Limited
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ABN: 26 000 602 862
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ABUL
HOSSAIN
Business Relationship Information
Previous Directorship
Company Name
DELTA MANAGEMENT GROUP AUSTRALIA
Company Type
Proprietary Limited
ACN
634281995
ABN
70634281995
Appointment Date
15 Oct 2021
ASIC Update Date/time
08 Nov 2021 04:00:00
ASIC Extract Date/time
22 Oct 2021 17:50:00
Date When Last Known as Director
22 Oct 2021
Company Name
A 1 GROUP AUSTRALIA
Company Type
Proprietary Limited
ACN
639162422
Appointment Date
15 Oct 2021
Cease Date
15 Nov 2021
ASIC Extract Date/time
21 Feb 2023 10:10:00
Company Name
ACN 642020031
Company Type
Proprietary Limited
ACN
642020031
Appointment Date
12 Oct 2021
ASIC Update Date/time
20 May 2024 06:53:00
Cease Date
15 Nov 2021
ASIC Extract Date/time
25 Oct 2023 16:59:00
Equifax Australia Information Services and
Solutions Pty Limited
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ABN: 26 000 602 862
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ABUL
HOSSAIN
Company Name
ACN 642019814
Company Type
Proprietary Limited
ACN
642019814
Appointment Date
12 Oct 2021
Cease Date
15 Nov 2021
ASIC Extract Date/time
22 Apr 2024 11:13:00
Company Name
DREAMZ GROUP
Company Type
Proprietary Limited
ACN
624336125
Appointment Date
24 Aug 2018
Cease Date
16 May 2019
ASIC Extract Date/time
26 Aug 2022 02:33:00
Equifax Australia Information Services and
Solutions Pty Limited
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ABN: 26 000 602 862
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ABUL
HOSSAIN
Others
File Access
11 Nov 2024
EQUIFAX PUBLIC ACCESS
11 Nov 2024
EQUIFAX PUBLIC ACCESS
11 Nov 2024
EQUIFAX PUBLIC ACCESS
05 Nov 2024
WISR FINANCE P/L ACSK
05 Nov 2024
WISR FINANCE P/L ACSK
05 Nov 2024
PLENTI SERVICES P/L
05 Nov 2024
WISR FINANCE P/L ACSK
10 Oct 2024
BROKER OF CONNECTIVE4
28 Sep 2024
EQUIFAX PUBLIC ACCESS
28 Sep 2024
EQUIFAX PUBLIC ACCESS
16 Sep 2024
CONNECTIVE LENDER SERVICES
28 Aug 2024
EQUIFAX PUBLIC ACCESS
28 Aug 2024
EQUIFAX PUBLIC ACCESS
13 Aug 2024
BINGO FINANCE P/L
28 Jul 2024
EQUIFAX PUBLIC ACCESS
28 Jul 2024
EQUIFAX PUBLIC ACCESS
28 Jun 2024
EQUIFAX PUBLIC ACCESS
28 Jun 2024
EQUIFAX PUBLIC ACCESS
12 Jun 2024
VOW FINANCIAL AGGREGATOR
29 May 2024
EQUIFAX PUBLIC ACCESS
29 May 2024
EQUIFAX PUBLIC ACCESS
03 May 2024
CONNECTIVE LENDER SERVICES
01 May 2024
EQUIFAX PUBLIC ACCESS
Equifax Australia Information Services and
Solutions Pty Limited
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ABN: 26 000 602 862
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ABUL
HOSSAIN
01 May 2024
EQUIFAX PUBLIC ACCESS
29 Apr 2024
EQUIFAX PUBLIC ACCESS
29 Apr 2024
EQUIFAX PUBLIC ACCESS
29 Apr 2024
MP AUSTRALIA TPD- ACSK
29 Apr 2024
FINSURE FINANCE & INSURANCE
10 Apr 2024
CONNECTIVE LENDER SERVICES
29 Mar 2024
EQUIFAX PUBLIC ACCESS
29 Mar 2024
EQUIFAX PUBLIC ACCESS
29 Feb 2024
EQUIFAX PUBLIC ACCESS
29 Feb 2024
EQUIFAX PUBLIC ACCESS
01 Feb 2024
VETPAY P/L
01 Feb 2024
MONEYME
01 Feb 2024
ZIPMONEY PAYMENTS P/L
29 Jan 2024
EQUIFAX PUBLIC ACCESS
29 Jan 2024
EQUIFAX PUBLIC ACCESS
29 Dec 2023
VOW FINANCIAL AGGREGATOR
28 Dec 2023
EQUIFAX PUBLIC ACCESS
28 Dec 2023
EQUIFAX PUBLIC ACCESS
28 Dec 2023
EQUIFAX PUBLIC ACCESS
28 Dec 2023
EQUIFAX PUBLIC ACCESS
28 Dec 2023
CONNECTIVE LENDER SERVICES
18 Dec 2023
MP AUSTRALIA TPD- ACSK
18 Dec 2023
LAT PERSN LNS SL-SCORESEEKER
22 Aug 2023
AUSTRALIAN FINANCE GROUP PL
19 Jul 2023
RATESETTER AUSTRALIA
19 Jul 2023
LAT PERSN LNS SL-SCORESEEKER
Equifax Australia Information Services and
Solutions Pty Limited
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ABN: 26 000 602 862
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ABUL
HOSSAIN
02 Aug 2021
FINSURE FINANCE & INSURANCE
Equifax Australia Information Services and
Solutions Pty Limited
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ABN: 26 000 602 862
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Credit Ratings - Explanation Statement
Credit Ratings - Explanation Statement
Your Equifax credit report is a record of your credit history. It may include information on
applications for credit that you have made in the past as well as information relating to your
history of repaying credit card debts, personal loans and mortgages (including modified
repayment arrangements due to hardship). Your credit report may also include publicly
available information, such as court writs and judgements related to bankruptcies, personal
insolvencies and debt agreements.
Credit reports are available to all consumers who have a credit history. These reports are built
using information provided by credit providers as well as public record information.
Last reviewed: October 2023
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Credit Ratings - Explanation Statement
Information in your Equifax Credit
Report
In your Credit Report you will find information about your history with credit. Your Credit
Report is divided into a number of sections:
1. Personal information / identity details
This includes information like your name, date of birth and names you may be also known as.
It may also include your driverâs licence number, as well as a list of places you have worked and
addresses where you have lived or operated a business from.
2. Your Equifax Credit Score
Your Equifax Credit Score will be a number between 0-1200 and is based on your credit
information held by Equifax. In simple terms, the higher your Equifax Score, the better your
credit profile and the lower credit risk you are.
There are a number of key attributes that are taken into consideration when generating your
Equifax Credit Score:
y
The type of credit being applied for ie Mortgage, Credit Card, Mobile Phone Plan etc.
y
The number, type and age of any credit facilities you have opened or closed in the last
24 months and whether you have missed any payments.
y
Age of your credit file (report).
y
Your personal details including any directorship and proprietorship information.
y
The number of credit enquiries and any negative events, such as missed payments,
defaults or bankruptcies.
It is important to note that the way the Equifax Credit Score is used in practice by lenders may
differ to the way it is shown in your Equifax Credit Report or displayed in the Equifax Credit and
Identity portal. Each lender may also apply their own lending criteria and policies, and in some
cases their own scores, which is why some lenders may approve your application while others
will not.
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Credit Ratings - Explanation Statement
3. Equifax Credit Rating
This rating helps you to understand your level
of risk, based on your Equifax Credit Score,
compared to the Australian credit-active
population held by Equifax.
The Equifax Credit Rating is based on historical
analysis that determines how likely an adverse
event will occur, such as a default or any account/
loan that reaches 90 days past due in the
following 12 months after the credit application.
This is a key determining factor in whether you
are likely to be able to repay future credit.
Set out below is a description of the five Credit Rating bands
used by Equifax.
If your Equifax Credit Score is within this band, there is an above average possibility
an adverse event will be recorded on your Credit Report in the next 12 months.
Factors with the biggest impact/most common on scores in this band are as follows:
1. Payment defaults, late payments (30+ days) or default judgements reported
2. The number and type of credit applications (with frequent applications for
unsecured lending)
3. Use of short term credit facilities (like Payday or Buy Now Pay Later)
If you are in this band, you can generally improve your score by:
y
ensuring all bills and credit payments are made on time; and
y
restricting the number of applications you make for new credit.
0-459 - Below Average
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Credit Ratings - Explanation Statement
If your Equifax Credit Score is within this band,there is an average possibility an
adverse event will be recorded on your Credit Report in the next 12 months.
Factors with the biggest impact/most common on scores in this band are as follows:
1. The number and type of credit applications (with frequent applications for
unsecured lending)
2. Multiple credit applications in a short time frame
3. Instability of residence or employment
If you are in this band, you can generally improve your score by:
y
ensuring all bills and credit payments are made on time; and
y
reducing any unnecessary credit facilities such as multiple
credit cards.
460-660 - Average
Scores in this category indicate that an adverse event is less likely than average to be
recorded on your Credit Report in the next 12 months. The odds of no adverse events
occurring on your Credit Report in the next 12 months are better than the average
population odds.
Factors with the biggest impact/most common on scores in this band are as follows:
1. The number and type of credit applications
2. Demonstrating no arrears/defaults
3. Length of credit history
If you are in this band, you can generally improve your score by:
y
limiting applications for unsecured credit
661-734 - Good
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Credit Ratings - Explanation Statement
Equifax reviews the Australian credit-active population scores regularly and the Equifax Credit
Score rating is calculated to take into account population and economic changes.
If your Equifax Credit Score is within this band, it is unlikely an adverse event will be
recorded on your Credit Report in the next 12 months. In other words, the odds of no
adverse events occurring on your Credit Report in the next 12 months are more than
2 times better than the average population odds
Factors with the biggest impact/most common on scores in this band are as follows:
1. Demonstrating no arrears/defaults
2. Length of credit history (evidence of longer term credit relationships)
3. The nature and frequency of credit applications
If you are in this band, you can generally improve your score by:
y
reducing/minimising credit enquiries and credit applications
735-852 - Very Good
If your Equifax Credit Score is within this band, an adverse event is highly unlikely to be
recorded on your Credit Report in the next 12 months. In other words, the odds of no adverse
events occurring on your Credit Report in the next 12 months are more than 5 times better
than the average population odds.
Factors with the biggest impact/most common on scores in this band are as follows:
1. Demonstrating no arrears/defaults
2. Length of credit history (with evidence of longer term credit relationships)
3. Residential mortgage activity
If you are in this band, you can generally improve your score by:
y
continuing to pay on time; and
y
limiting exposure to unsecured credit.
853-1200 - Excellent
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Credit Ratings - Explanation Statement
4. Consumer credit information
The consumer credit information section of your Credit Report includes:
Details of credit enquiries that have been made on you by a credit provider when you have
made an application for consumer credit. Consumer credit relates to loans for household
or family purposes as well as for the purchase, renovation or refinancing of a residential
investment property. Well-known types of credit include credit cards, mortgages, personal
loans, car loans and credit contracts. Credit contracts are typically used by businesses â such
as utility providers and telecommunications companies â that provide a good or service
upfront and get paid for it at a later date. The âbuy now pay laterâ store finance and store cards
many retailers offer are also a type of credit.
Consumer credit liability accounts â this may be an account that you currently have open
or have had open in the past. Your Credit Report may include information about the type of
consumer credit liability account you had or have, as well as its credit limit and open and/or
close date. Please note that not all credit providers supply consumer credit liability information
to credit reporting bodies (such as Equifax).
Monthly repayment history on credit accounts such as mortgages, personal loans and credit
cards. This reflects whether you have paid the minimum amount required on time each month
or not. It will also include information on any defaults or financial hardship arrangements in
relation to your accounts. Please note that not all credit providers supply repayment history
information to credit reporting bodies (such as Equifax).
Overdue accounts such as defaults, new arrangements on your defaults as a result of
financial hardship and serious credit infringements
Public record information like:
y
Court judgements
y
Directorship details
y
Proprietorship details
y
Bankruptcy, debt agreement and personal insolvency
5. Commercial credit information
This is information about credit enquiries that have been made on you for commercial credit.
Common types of commercial credit are a work-mobile-phone contract, business loan and
business credit card. It may also include details of any overdue commercial credit accounts
and other debts.
6. File access information
This is information about third parties that have accessed your Credit Report. These third
parties may include brokers, credit repair agencies and Equifax. For example, if you request a
copy of your Credit Report from Equifax, the fact that Equifax has accessed your Credit File in
order to provide your Credit Report will be noted.
Copyright © Equifax Pty Ltd, a wholly owned subsidiary of Equifax Inc.All right reserved. Equifax and EFX are registered
trademarks of Equifax Inc.
I was never a director of ACN642119814, but unfortunately, I am being listed as a director of this company both with Australian Security and Invest Commission and the credit bureau company Equifax. Now I want my name to be removed from ASIC registrar as a director of the company as I am still being listed as a director of this company. What do I do to get myself out of this mess?
Of course. This is a serious situation, and it's correct that you address it, as being wrongly listed as a director can have significant legal and financial consequences.\n\nThe root of the problem is the **ASIC register**. Credit bureaus like Equifax get their information from official sources like ASIC. Therefore, you must fix the issue at the source first.\n\nHere is a clear, step-by-step guide on what you need to do.\n\n### Step 1: Confirm the Details on the ASIC Register\n\nFirst, you need to verify exactly what ASIC has on record.\n\n1. Go to the **ASIC Connect** website: [https://connect.asic.gov.au](https://connect.asic.gov.au)\n2. Search for the company **ACN 642 019 814** (or \"ACN 642019814\").\n3. Purchase a current **Company Extract** (also known as an Organisational Extract). This is a small fee.\n4. Review the extract carefully. It will list all current and former directors and the dates of their appointment and cessation (if any).\n\n**What you are looking for:** The extract should show that you were appointed on 12 Oct 2021 and, crucially, that you never officially ceased to be a director. If there is a cease date, that is your proof the record is already correct. If there is no cease date, the record is wrong and needs to be corrected.\n\n---\n\n### Step 2: Lodge a Formal Complaint with ASIC to Correct the Record\n\nSince you state you were never a director, this is likely a case of fraudulent appointment. ASIC has a specific process for this.\n\n1. **Gather Your Evidence:**\n * A copy of your driver's licence (22249040) and/or passport.\n * A copy of the ASIC Company Extract for ACN 642 019 814.\n * A copy of your Equifax credit report (which you already have), highlighting the incorrect directorship.\n * A **Statutory Declaration**. This is the most critical piece of evidence.\n\n2. **Prepare a Statutory Declaration:**\n This is a formal, sworn statement. You must have it witnessed by an authorised person (like a Justice of the Peace, a lawyer, or a police officer). In the declaration, you should clearly state:\n * \"I, [Your Full Name], of [Your Current Address], solemnly and sincerely declare that...\"\n * \"I was never appointed as a director of ACN 642 019 814.\"\n * \"I never consented to being a director of this company.\"\n * \"I have no knowledge of this company and have never been involved in its management or operations.\"\n * \"The signature on any document appointing me as a director is a forgery.\" (If you are certain of this).\n * \"I request that ASIC remove my name from the register as a director of this company.\"\n\n3. **Submit the Complaint to ASIC:**\n * Use the **ASIC Indigenous Online Form** on their website. Despite the name, it is the primary form for reporting fraudulent director appointments.\n * Alternatively, you can lodge it via post to: Australian Securities & Investments Commission, GPO Box 9827, [Your Capital City].\n * Include all your gathered evidence, especially the Statutory Declaration.\n\nYou can find the official form and more details on this ASIC page: [ASIC - How to report misconduct](https://asic.gov.au/about-asic/contact-us/how-to-report-misconduct-to-asic/).\n\n---\n\n### Step 3: Dispute the Information with Equifax\n\nOnce you have lodged the dispute with ASIC, you should also inform Equifax. However, remember that **Equifax can only update its records once ASIC does.**\n\n1. Go to the **Equifax Australia Disputes and Corrections** page.\n2. Lodge a formal dispute regarding the \"Business Relationship Information\" on your credit report.\n3. Explain that you have been fraudulently appointed as a director and that you have already lodged a formal complaint with ASIC (provide the reference number if you have one).\n4. Attach a copy of the Statutory Declaration and any confirmation from ASIC that they have received your complaint.\n\nThis will create a formal record with Equifax and may result in a note being placed on your file while the ASIC matter is resolved.\n\n---\n\n### Step 4: Consider Legal Action and Protecting Your Identity\n\n* **Legal Advice:** Given that your identity appears to have been used without your consent, it is highly recommended that you seek legal advice. A lawyer can help you draft the Statutory Declaration, correspond with ASIC, and advise you on any further actions you can take against the individuals who fraudulently used your details.\n* **Identity Theft:** You should treat this as a potential case of identity theft. Contact **IDCARE** (Australia's national identity and cyber support service) on 1800 595 160 or via [www.idcare.org](https://www.idcare.org). They provide free support and can help you create a response plan.\n\n### Summary and Key Points\n\n* **The Problem is with ASIC:** Equifax is only reflecting the (incorrect) public record.\n* **Primary Action:** Lodge a formal dispute with **ASIC** using a **Statutory Declaration** as your main evidence.\n* **Secondary Action:** Lodge a dispute with **Equifax** to inform them of the ASIC complaint.\n* **Get Help:** Consider contacting **IDCARE** and a **lawyer**.\n* **Be Patient:** Correcting government records can take time. Persistence is key. Keep copies of all correspondence and reference numbers.\n\nBy following these steps, you are taking the correct legal pathway to clear your name from both the ASIC register and, subsequently, your credit file.
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