When you request a RateEstimate, RateSetter Australia Pty Limited will conduct a credit search with Veda as an ‘access seeker’. This request will be visible to you and other access seekers, but will not be visible to credit providers, and will not affect your Veda credit score. This process is completely free and without obligation.

If you proceed to apply for a loan, RateSetter Australia RE Limited will request your full credit file as a credit assistant, similar to when you apply for a loan with a bank. This will be recorded on your credit file as a credit enquiry, and may affect your Veda credit score.