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Will credit rating in Oz effect my sponsorship application?


Guest Kenny121

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Guest Kenny121

Hey guys,

 

I left Australia a couple of months back and received an email from a leasing company to say that they are just about to put a mark on my credit file as I have missed three payments. I actually had an overdraft with NAB which should have covered all payments until I got back to Oz but obviously not.

 

I have now been offered another job in Australia and have accepted, they are applying for my sponsorship visa now.

 

My questions is could a mark on my credit file effect my sponsorhip? I have been told no but it may effect me when I go to get my PR.

 

 

 

Any advice is much appreciated.

 

Cheers,

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Guest Money Saving Oz

Hi Kenny

 

You did not mention in your post if you cleared your debt? That is the most important thing to do, otherwise your credit file will show an uppaid debt. Your credit file will not be as bad if you quickly clear the debt, but if you don't pay it off it will adversly affect any future credit you wish to apply for in Oz, even a mobile phone contract.

 

I'd also recommend you write to the debtor to explain why there was an error and tell them you have paid or arrange a payment plan.

 

As for affecting your visa, sorry I can't answer that. But again if they do look at it and you haven't paid it off, you might have some explaining to do.

 

For more info on your credit rating in Australia check out our page:Your Credit Rating - Money Saving Master

 

Adam

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