Have you checked your credit status lately? Chances are you’ve never heard of organisations like VEDA, Dunn and Bradstreet or Experian, but you can bet they’ve heard of you. They provide credit reports to financial lenders. So if you have a credit card or phone, or you’re named on a utility bill, or if you’ve ever applied for a loan of any kind, then almost certainly at least one of them will have a detailed file on you. According to its latest report, Veda alone holds credit information on 20 million Australians.