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Being refused credit can be frustrating and confusing. To help you understand why this has happened, you can follow up with the lender directly to explain their decision. They should then explain whether their decision resulted from information held on your credit report or because of something else.
Lenders base their decisions on different factors, such as your most recent bank statements showing a higher debt to income ratio. Lenders have different criteria, so if one lender turns you down, it doesn't mean they all will. Although, don’t forget, every time you apply for credit, it’s recorded on your credit report and some lenders see a large number of applications as a reason to turn you down.
If you apply for credit, then the provider will most likely take a look at your credit report to assess your creditworthiness. This will show on your credit report. However, it won’t show whether you were accepted or rejected.
Yes, these are the two largest bureaus in Australia. It’s very common for lenders to use more than one bureau to profile applicants. That’s why it’s super important to check the information you see with Tippla is correct before applying for credit.