|
You don't get a credit rating as such here in OZ. What you get is a credit record if you have defaulted etc..otherwise all the provider gets is a list of other providers that have done a rewcent credit check.
If you can organise a credit card, store card etc (with not too high a limit) then you will build up a small track record.
Lending here tends to concentrate on ability to service the loan so yes they look for proof of earnings such as 6 months statements and payslips for 2 months showing the Year To Date figures. If you have started in ajob recently but finished the probabtion period (i.e. confirmed as full time/ PT employee) then they will often accept a letter from your employer with details of youre salary package and conditons.
Hope this helps
Liam
|