This is going to sound terribly naive, but I don't know what we have here in Aus. I've got a mortgage, car loan and credit card, but the process for getting the

This is going to sound terribly naive, but I don't know what we have here in Aus. I've got a mortgage, car loan and credit card, but the process for getting them was relatively mundane. I know if you sign up for a phone plan they do a "credit check" but I don't know what it involves. I assume we have something, but I've never had cause to think about it before