When applying for personal or business credit, the type of information held on your credit report is similar and includes:
- Any loan enquiries you or someone acting on your behalf has made in the last five years.
- Details of any debt you might have, including any defaults and debts that are overdue by 60 days or more.
- Names of credit providers you have applied for credit with, currently have credit with or repaid a loan with in the last 5 years.
Recent changes were made to the credit reporting system. In the past we could only share information about defaults and serious credit infringements. Credit providers are now able to report to credit reporting bodies the following information:
- date account opened
- current limit of account
- type of credit account
- date account closed
- 24 month account payment history, indicates you have made regular on time payments.
Although we're now sharing this information with Credit Reporting Bureaus, the information may not yet appear on your credit report. Keep in mind this information is shared, and may affect your credit rating in the future.
If you want to know more details about each of these and how they are recorded on your credit file, visit Credit Smart for more information.
- full name
- date of birth
- address (current and last 2 known addresses)
- employer details
- driver's license number.
Public record information
Information from courts and government agencies such as:
- court judgements about any unpaid credit
- bankruptcy details, or if you’ve offered or entered into a debt agreement.