With the changes to the credit reporting regime coming into effect in March 2014 it is still appropriate for borrowers to get a better understanding of how the current system works and what the changes may mean.

So many borrowers run into unexpected rejections or questions from lenders due to what appears on their CRA reports and one of the most common and unexpected causes is simply shopping around for the best deal in your home loan, your credit card and even your mobile phone. That’s right you don’t need to have an unpaid default on your CRA for it to cause a disappointing outcome.

Have a look at this new interesting article on how your CRA effects your chances of success in obtaining a new home loan.

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