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As well as personal information — like your name, date of birth, address and driver's licence number — your credit report will include all of the following information.
Credit Products
For each credit product you've held in the last two years:
Repayment History
For each credit product you've held in the last two years:
Defaults on utilities, credit cards and loans
Your service provider may report your non-payment of a debt (called a 'default') to a credit reporting agency. They must notify you before they do so.
This may include defaults on your utility and phone bills.
A service provider can report a default if:
A default stays on your credit report for:
If you pay the debt, your credit report will still list the default, but it will also show that you've paid it.
Credit Applications
If you've applied for credit before:
Bankruptcy and Debt Agreements
Any bankruptcies or debt agreements, court judgments, or personal insolvency agreements in your name.
Your credit score can play a huge role in many of life’s biggest decisions. Understanding it can help you make smarter financial decisions and protect your credit reputation.
If you've ever applied for credit or a loan, there will be a credit report about you. This includes your credit score.
You have a right to get a copy of your credit report and credit score for free every 3 months. It's worth getting a copy at least once a year.
Usually, you can access your report online within a day or two. Or you could have to wait up to 10 days to get your report by email or mail.
Get your Equifax free credit report here https://www.mycreditfile.com.au
Alternatively, you can get your credit score for free from an online credit score provider, usually within minutes. When you sign up, you agree to their privacy policy, which lets them use your personal information for marketing. You can opt out of this after you sign up.
These sites provide comprehensive data about your credit file and credit score
Wisr https://wisr.com.au
Finder https://www.finder.com.au
When you get your credit report, check that:
If something is wrong or out of date, contact the credit reporting agency and ask them to fix it. This is a free service.
Some companies may try to charge you to get all negative information removed from your credit report. The only thing they can ask the credit reporting agency to remove is wrong information. And you can do that yourself — see Credit Repair
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