{"id":11719,"date":"2017-05-14T03:00:17","date_gmt":"2017-05-13T17:00:17","guid":{"rendered":"http:\/\/realestatetalk.com.au\/?p=11719"},"modified":"2017-05-14T03:00:17","modified_gmt":"2017-05-13T17:00:17","slug":"how-to-check-your-score-with-the-bank-andrew-mirams","status":"publish","type":"post","link":"https:\/\/channels.realty.com.au\/realtytalk\/how-to-check-your-score-with-the-bank-andrew-mirams\/","title":{"rendered":"How to check your 'score' with the bank \u2013 Andrew Mirams"},"content":{"rendered":"

What do lenders mean by a good credit score?\u00a0 Most people don\u2019t know they even exist let alone realise how important they are to getting the loan you need.\u00a0 Andrew Mirams<\/strong> has had to explain this quite often and does it for us this week in the show.
\nTranscript:<\/strong>
\nKevin:<\/b>\u00a0 Just what do lenders mean when they talk about a good credit score? How do you get one and how easily is it damaged? Let\u2019s find out a little bit more about credit scores. Joining me to talk about that, Andrew Mirams from Intuitive Finance.
\nAndrew, welcome to the show once again. Thanks for your time.
\nAndrew:<\/b>\u00a0 G\u2019day, Kevin. Thank you.
\nKevin:<\/b>\u00a0 How are credit scores assessed, and how important are they?
\nAndrew:<\/b>\u00a0 A good credit score is vital to be able to get access to credit. And credit now ranges from anything from a loan down to a mobile phone or a utility. Having defaults or bad payment history is going to affect you just in your normal way of life currently, and it obviously will have a significant impact on securing a mortgage or a home loan or an investment loan.
\nKevin:<\/b>\u00a0 So it\u2019s called a credit score; is it actually a score as in numbers, or is it a series of references?
\nAndrew:\u00a0\u00a0<\/b>A credit history is probably more what you\u2019re talking about. There are things called My Credit Score and Veda check that you can do that\u2019ll tell you what your credit history looks like.
\nIn reality, the only thing with your credit history that matters is if you have bad history. Once upon a time, we all used to get dressed up when we were 18 and our father or grandfather would take us into the bank to get that loan so that we could get a good credit history. That doesn\u2019t matter now because every little inquiry made for a mobile phone or a utility or anything like that actually goes on it.
\nWhat you really want to do is just make sure you\u2019re managing to have a good credit history, and that\u2019s just keeping your day-to-day accounts in order, making sure you\u2019re making your payments on time, and everything like that. If you get overdrawn on just your normal bank account by $10, that\u2019ll have a hit on your credit score.
\nThere\u2019s a website called My Credit Score. You can actually put in some information and data that will give you a bit of an idea of whether you\u2019re going to likely be a good credit risk or a bad credit risk to a lender or someone you\u2019re going to seek finance or credit from.
\nKevin:<\/b>\u00a0 If a lender knocks me back because I have some blemish on my credit score that I\u2019m not aware of, will they necessarily tell me about that, or will they just knock me back?
\nAndrew:<\/b>\u00a0 Normally if a lender declines, they\u2019ll say \u201cBecause of your credit report\u201d or something like that. Some lenders or providers will provide you with the evidence and the details of it. Otherwise for the cost of about $30 or $40, if you really want to check your credit score or get your credit report, you can go to a group called Veda Advantage, and like I said, for the cost of about $30 or $40, you can actually get your personal credit file from there and then have a look at the inquiries that have been made.
\nEvery time you sign a credit application you need to make a disclosure so that a lender or a provider can do a credit check on you. All those inquiries will be there. Any bad credit or any defaults or anything like that will be listed.
\nSometimes for people named, say, John Smith, because it\u2019s a fairly common name, these things can get put on the wrong credit file. So it doesn\u2019t mean no; it just means if you can clear it up \u2013 and depending on the size of the default or the error of your ways that there\u2019s been \u2013 then as long as we can get an explanation around it, often we can still get finance approved.
\nKevin:\u00a0\u00a0<\/b>You\u2019re suggesting that we should check it on a reasonably regular basis.
\nCould I ask you another question just while it occurs to me? If I go to get a loan \u2013 say I go to one of the major lenders \u2013 and they knock me back, will the fact that they\u2019ve been in to have a look at my credit score be reflected there? In other words, if I went to another lender they\u2019d know that I\u2019d already been to the other lender \u2013 in other words, there\u2019s a history?
\nAndrew:<\/b>\u00a0 Great question, Kevin. This is why we advocate for not making multiple applications at one time. Yes, every inquiry does get recorded. Whether you\u2019ve been approved or declined at one lender, that will reflect on your credit inquiries. It\u2019ll be marked as an inquiry there.
\nNow a inquirer will say \u201cWell, what happened with that? Did it proceed? Did it not proceed?\u201d They don\u2019t ask the outcome. They won\u2019t ask whether it was approved or declined, but they\u2019ll ask \u201cDid it proceed, or did it not proceed?\u201d
\nIf you have multiple checks on there, all of recent times for relatively similar amounts, that will start to raise a new lender\u2019s inquiry: \u201cWhat are they looking for? What am I missing here? What might be something? If they\u2019ve done two or three applications, why are they coming to me? And if I\u2019m going to approve it and if there\u2019s something there,\u201d they might say, \u201cHmm, there\u2019s something here we want to look a bit further into. Give me the details of those applications.\u201d So it can actually work to your detriment.
\nKevin:<\/b>\u00a0 It\u2019s almost like a red flag, isn\u2019t it, coming up and saying \u201cThis person is someone we need to be careful about.\u201d
\nIs there any point in time if I had something against my credit score that was incorrect and then it was taken off, does it get totally removed, or is there just a note to say that it doesn\u2019t apply?
\nAndrew:<\/b>\u00a0 if it\u2019s recorded incorrectly, it\u2019ll get removed. A quite common one is when a group of young people all go into a co-share or a tenancy together, and the person who signs the lease might move out. Then when the other people all leave the property and the property is handed over, often that last power bill or something is in default. It goes to the first person who was there, and often it is doesn\u2019t become known to them until some time in the future when they actually go to apply. That\u2019s an oversight. As long as the debt is paid and it all gets fixed up and there\u2019s an explanation as to why, that will often be viewed favorably still by a lender.
\nBut if there are things you\u2019ve done wrong in the past and you have defaults, yes, they will sit there. Bankruptcies will sit there up to seven years, so it affects your record up to a period of seven years.
\nKevin:<\/b>\u00a0 That explains a lot to me because I\u2019ve heard people say that they\u2019ve missed a phone bill, for the sake of $20 or $40 or whatever, that they were not even aware of and that it\u2019s actually affected them getting their home loan. Could it be that simple, or is it sometimes a bit more?
\nAndrew:<\/b>\u00a0 The default response will be no, and then what we need to do is just a little bit more work around \u201cWhy did that happen? What were the circumstances? Was it an oversight? Had you moved address and for some reason, the mail didn\u2019t forward on? Were you in a dispute and then you won it but it still got defaulted or recorded in error?\u201d There\u2019s a whole range of things that happen in our lives that might result in these things.
\nIf you\u2019ve done the wrong thing, well, that\u2019s just going to be the fact of life that you\u2019re going to struggle to get access to finance with most of the major lenders and second and third tiers. But if you\u2019ve done the right thing and it was in dispute or there was an oversight or something like that, generally as long as we can provide a valid reason for it \u2013 you might have been overseas for six months and just didn\u2019t get to it or the direct debit changed or your credit card was nicked and you got a new card \u2013 there are all these things now with direct debit and things like that are an oversight more than a default as such.
\nKevin:<\/b>\u00a0 Great stuff, mate. Just give me that website again.
\nAndrew:<\/b>\u00a0\u00a0Veda Advantage or Veda Australia, I think it might be now. There\u2019s also the website My Credit Score that you can do without paying. They\u2019ll put a number on there, a numeric graph based on the stats you put in. Or if you actually want to get your credit file, it\u2019s Veda Australia.
\nKevin:<\/b>\u00a0 Okay. Andrew Mirams from Intuitive Finance. More good advice there for you.
\nAndrew, thanks very much for your time.
\nAndrew:<\/b>\u00a0 My pleasure, Kevin.<\/p>\n","protected":false},"excerpt":{"rendered":"

What do lenders mean by a good credit score?\u00a0 Most people don\u2019t know they even exist let alone realise how important they are to getting the loan you need.\u00a0 Andrew Mirams has had to explain this quite often and does it for us this week…<\/p>\n","protected":false},"author":176692471,"featured_media":11720,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[32,34,10,11,13,36,25],"tags":[101],"class_list":["post-11719","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying-a-property-topic","category-finance-topic","category-kevin-turner-sponsored-channels","category-kevin-update","category-latest-story","category-property-investment-topic","category-sponsored-channels","tag-podcast"],"yoast_head":"\nHow to check your 'score' with the bank \u2013 Andrew Mirams - Realty Talk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/channels.realty.com.au\/realtytalk\/how-to-check-your-score-with-the-bank-andrew-mirams\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to check your 'score' with the bank \u2013 Andrew Mirams - Realty Talk\" \/>\n<meta property=\"og:description\" content=\"What do lenders mean by a good credit score?\u00a0 Most people don\u2019t know they even exist let alone realise how important they are to getting the loan you need.\u00a0 Andrew Mirams has had to explain this quite often and does it for us this week...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/channels.realty.com.au\/realtytalk\/how-to-check-your-score-with-the-bank-andrew-mirams\/\" \/>\n<meta property=\"og:site_name\" content=\"Realty Talk\" \/>\n<meta property=\"article:published_time\" content=\"2017-05-13T17:00:17+00:00\" \/>\n<meta name=\"author\" content=\"rolanrush\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"rolanrush\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/how-to-check-your-score-with-the-bank-andrew-mirams\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/how-to-check-your-score-with-the-bank-andrew-mirams\\\/\"},\"author\":{\"name\":\"rolanrush\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#\\\/schema\\\/person\\\/384a57ac9e52cb9bf19896cb15eaa52d\"},\"headline\":\"How to check your 'score' with the bank \u2013 Andrew Mirams\",\"datePublished\":\"2017-05-13T17:00:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/how-to-check-your-score-with-the-bank-andrew-mirams\\\/\"},\"wordCount\":1600,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/how-to-check-your-score-with-the-bank-andrew-mirams\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"keywords\":[\"podcast\"],\"articleSection\":[\"Buying a property\",\"Finance\",\"Kevin Turner\",\"Kevin's Update\",\"Latest Stories\",\"Property Investment\",\"Sponsored Channels\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/how-to-check-your-score-with-the-bank-andrew-mirams\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/how-to-check-your-score-with-the-bank-andrew-mirams\\\/\",\"url\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/how-to-check-your-score-with-the-bank-andrew-mirams\\\/\",\"name\":\"How to check your 'score' with the bank \u2013 Andrew Mirams - Realty Talk\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/how-to-check-your-score-with-the-bank-andrew-mirams\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/how-to-check-your-score-with-the-bank-andrew-mirams\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2017-05-13T17:00:17+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#\\\/schema\\\/person\\\/384a57ac9e52cb9bf19896cb15eaa52d\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/how-to-check-your-score-with-the-bank-andrew-mirams\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/how-to-check-your-score-with-the-bank-andrew-mirams\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/how-to-check-your-score-with-the-bank-andrew-mirams\\\/#primaryimage\",\"url\":\"\",\"contentUrl\":\"\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/how-to-check-your-score-with-the-bank-andrew-mirams\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How to check your 'score' with the bank \u2013 Andrew Mirams\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#website\",\"url\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/\",\"name\":\"Realty Talk\",\"description\":\"Your Trusted Voice For Property Investing. Anywhere, Anytime.\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/#\\\/schema\\\/person\\\/384a57ac9e52cb9bf19896cb15eaa52d\",\"name\":\"rolanrush\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/86544778804295a7fa45cbde097dc3a58a45ba6ed28859f17059ca74c38723d2?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/86544778804295a7fa45cbde097dc3a58a45ba6ed28859f17059ca74c38723d2?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/86544778804295a7fa45cbde097dc3a58a45ba6ed28859f17059ca74c38723d2?s=96&d=mm&r=g\",\"caption\":\"rolanrush\"},\"url\":\"https:\\\/\\\/channels.realty.com.au\\\/realtytalk\\\/author\\\/rolanrush\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How to check your 'score' with the bank \u2013 Andrew Mirams - Realty Talk","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/channels.realty.com.au\/realtytalk\/how-to-check-your-score-with-the-bank-andrew-mirams\/","og_locale":"en_US","og_type":"article","og_title":"How to check your 'score' with the bank \u2013 Andrew Mirams - Realty Talk","og_description":"What do lenders mean by a good credit score?\u00a0 Most people don\u2019t know they even exist let alone realise how important they are to getting the loan you need.\u00a0 Andrew Mirams has had to explain this quite often and does it for us this week...","og_url":"https:\/\/channels.realty.com.au\/realtytalk\/how-to-check-your-score-with-the-bank-andrew-mirams\/","og_site_name":"Realty Talk","article_published_time":"2017-05-13T17:00:17+00:00","author":"rolanrush","twitter_card":"summary_large_image","twitter_misc":{"Written by":"rolanrush","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/channels.realty.com.au\/realtytalk\/how-to-check-your-score-with-the-bank-andrew-mirams\/#article","isPartOf":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/how-to-check-your-score-with-the-bank-andrew-mirams\/"},"author":{"name":"rolanrush","@id":"https:\/\/channels.realty.com.au\/realtytalk\/#\/schema\/person\/384a57ac9e52cb9bf19896cb15eaa52d"},"headline":"How to check your 'score' with the bank \u2013 Andrew Mirams","datePublished":"2017-05-13T17:00:17+00:00","mainEntityOfPage":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/how-to-check-your-score-with-the-bank-andrew-mirams\/"},"wordCount":1600,"commentCount":0,"image":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/how-to-check-your-score-with-the-bank-andrew-mirams\/#primaryimage"},"thumbnailUrl":"","keywords":["podcast"],"articleSection":["Buying a property","Finance","Kevin Turner","Kevin's Update","Latest Stories","Property Investment","Sponsored Channels"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/channels.realty.com.au\/realtytalk\/how-to-check-your-score-with-the-bank-andrew-mirams\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/channels.realty.com.au\/realtytalk\/how-to-check-your-score-with-the-bank-andrew-mirams\/","url":"https:\/\/channels.realty.com.au\/realtytalk\/how-to-check-your-score-with-the-bank-andrew-mirams\/","name":"How to check your 'score' with the bank \u2013 Andrew Mirams - Realty Talk","isPartOf":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/#website"},"primaryImageOfPage":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/how-to-check-your-score-with-the-bank-andrew-mirams\/#primaryimage"},"image":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/how-to-check-your-score-with-the-bank-andrew-mirams\/#primaryimage"},"thumbnailUrl":"","datePublished":"2017-05-13T17:00:17+00:00","author":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/#\/schema\/person\/384a57ac9e52cb9bf19896cb15eaa52d"},"breadcrumb":{"@id":"https:\/\/channels.realty.com.au\/realtytalk\/how-to-check-your-score-with-the-bank-andrew-mirams\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/channels.realty.com.au\/realtytalk\/how-to-check-your-score-with-the-bank-andrew-mirams\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/channels.realty.com.au\/realtytalk\/how-to-check-your-score-with-the-bank-andrew-mirams\/#primaryimage","url":"","contentUrl":""},{"@type":"BreadcrumbList","@id":"https:\/\/channels.realty.com.au\/realtytalk\/how-to-check-your-score-with-the-bank-andrew-mirams\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/channels.realty.com.au\/realtytalk\/"},{"@type":"ListItem","position":2,"name":"How to check your 'score' with the bank \u2013 Andrew Mirams"}]},{"@type":"WebSite","@id":"https:\/\/channels.realty.com.au\/realtytalk\/#website","url":"https:\/\/channels.realty.com.au\/realtytalk\/","name":"Realty Talk","description":"Your Trusted Voice For Property Investing. Anywhere, Anytime.","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/channels.realty.com.au\/realtytalk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/channels.realty.com.au\/realtytalk\/#\/schema\/person\/384a57ac9e52cb9bf19896cb15eaa52d","name":"rolanrush","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/86544778804295a7fa45cbde097dc3a58a45ba6ed28859f17059ca74c38723d2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/86544778804295a7fa45cbde097dc3a58a45ba6ed28859f17059ca74c38723d2?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/86544778804295a7fa45cbde097dc3a58a45ba6ed28859f17059ca74c38723d2?s=96&d=mm&r=g","caption":"rolanrush"},"url":"https:\/\/channels.realty.com.au\/realtytalk\/author\/rolanrush\/"}]}},"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/posts\/11719","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/users\/176692471"}],"replies":[{"embeddable":true,"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/comments?post=11719"}],"version-history":[{"count":0,"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/posts\/11719\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/media?parent=11719"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/categories?post=11719"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/channels.realty.com.au\/realtytalk\/wp-json\/wp\/v2\/tags?post=11719"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}