Why you don’t have a credit file

Elizabeth Barry 26 July 2016


Credit files aren't financial records that are given to everyone – here's why you may be "credit invisible".

Your credit file is one of your most important financial records and it's often the main thing that will help or hinder your application for credit. However, not everyone will have a credit file. According to the Australian Bureau of Statistics, there were 15,443,150 credit-active Australians in July 2013. These Australians will have engaged with credit providers by enquiring for credit or holding an account, and this activity will have been recorded on their file.

If you have attempted to order your credit file or apply for a credit account and found that your report didn't exist, you may be "credit invisible". Here's what it means and what you can do about it.

  • You haven't held a utility account

Utility accounts include phone (landline), gas, electricity and Internet accounts. These accounts are considered credit accounts and so are recorded on your credit file along with your repayment history. If you default on the account it will also be listed on your credit file.

  • You have never held a postpaid mobile phone account

If you have only ever held prepaid mobile accounts then these will not be listed on your credit file. Postpaid mobile accounts are ongoing contracts and require the provider (Telstra, Optus, Vodafone and the like) to check your credit file in order for the contract to be approved.

  • You haven't made a credit enquiry

Applications for credit, whether or not they're approved, are listed on your credit file and includes all types of credit accounts. The lender will need to check your file to ensure the information on your application is accurate, and when the application is approved the account will be listed on your file.

How can I develop a credit history?

There's no single surefire way of developing your credit history, but there are a few techniques you can consider. Remember to examine your own personal financial situation before choosing the path for you:

Curious about your credit score? Find out now for free.

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32 Responses

  1. Default Gravatar
    KelliNovember 30, 2017

    Opened a joint account with my husband the bank couldn’t verify me as i have no credit history in my present name as we married 11 months ago

    • Staff
      RenchNovember 30, 2017Staff

      Hi Kelli,

      Thanks for your inquiry.

      You can try to get your free credit report from Equifax directly. Please go to this page then click on ‘Get your free credit report button and it will direct you to Equifax official site.

      Best regards,

  2. Default Gravatar
    October 30, 2017

    Do you know if I am still able to borrow up to $5000 if I have no credit file, somehow I seem to be “invisible “?

    • Staff
      RenchOctober 31, 2017Staff

      Hi Tiff,

      Thanks for reaching out to us.

      There are instances that we may not have a record of your credit score. You may also request a free credit report from Equifax. You may go on this page for helpful info.

      You can make use of our loan calculator on this page to give you an idea on how much you can borrow. While on this page you may compare $5000 loans.

      Hope this helps.


  3. Default Gravatar
    PatriciaOctober 25, 2017

    Why don’t I have a credit score I have a utility bill in my name and I have a joint credit card

    • Staff
      MariaOctober 26, 2017Staff

      Hi Patricia,

      Thank you for your inquiry.

      If you’re having difficulty in getting your score through finder, you may be guided by this page on How To Get Your Credit Score.

      If it still doesn’t work, you may want to try getting your Free Credit Report as an alternative.

      If you were referring to not having a credit file in the first place, you may want to check with your utility provider and credit card provider if they can advise on your records being reported to a credit bureau.

      Should you require further assistance, you may message us on our 24/7 Live Chat Service found on the bottom right of our pages.


  4. Default Gravatar
    JenniferOctober 25, 2017

    I have been renting for many years and paid many Utility bills and post paid mobile, I have a credit card and have so for 20 years approx. So not sure why I have no credit file.

    • Staff
      RenchOctober 25, 2017Staff

      Hi Jennifer,

      Thanks for reaching out to us.

      In this kind of situation, you may get a free credit report from Equifax directly. You may go to this page and request your credit report from Equifax official site.

      Hope this helps.


  5. Default Gravatar
    EmilyOctober 18, 2017

    Hi my name is Emily
    I have been married for 3 years. I have slowly been changing my maiden name over to my married name with my bank, phone account, insurance etc and some are joint accounts with my husband. I tried to look at my credit history and was told they have no file on me. Surely I am not the only person this has happened too? Was I suppose to link my maiden name and married name some how? Can you give me any hints, or do I have to start fresh and if so how, long will it take before I will have a credit history?

    • Staff
      HaroldOctober 18, 2017Staff

      Hi Emily,

      Thank you for your inquiry.

      On some cases this is what’s happened if you used the name that Equifax doesn’t have on their file. It would be nice if you can create another Finder account with a different email, if you have one, and try again using the last name that appears on your driver’s license.

      I hope this information has helped.


  6. Default Gravatar
    JohannesOctober 17, 2017

    I had a credit score in September, and received an email saying that there was a new score available, but when I’ve filled in the information, now I apparently don’t have one? What’s happened?

    • Staff
      MariaOctober 17, 2017Staff

      Hi Johannes,

      Thank you for your inquiry.

      You may want to check the email you’ve received if it does come from the credit score provider you checked with last September.

      If yes, it’s best to reach out to the provider directly to have your concern addressed accordingly.

      Also, you may opt to review your credit history by Ordering Your Free Credit Report to see if there was anything that may have affected your credit score.


  7. Default Gravatar
    KharaSeptember 26, 2017

    I have tried many times to find out my credit score only to be told I have not credit file. Yet I have had an active credit card for over 10 years…
    Can you please help me with this issue?
    Khara Maletta

    • Staff
      JoanneSeptember 26, 2017Staff

      Hi Khara,

      Thanks for reaching out.
      Here are some of the reasons why the result may say no credit file:
      * You may not have enquired for credit or held a loan in the past.
      * You may not have held a postpaid mobile account or a utility account.
      * You may have not entered enough information for Equifax to locate your credit file.
      * If you have moved in the past three years you need to enter two addresses and ensure your information is correct.
      Please see more information on this page.


  8. Default Gravatar
    SandraAugust 2, 2017

    I do have a credit file. Why can’t I go back and check my info that I put in as I may have done something wrong?

    • Staff
      RenchAugust 2, 2017Staff

      Hi Sandra,

      Thanks for your response,

      There are situations like this that we can’t provide your credit file. You will need to contact Equifax directly to ask how you can get your credit file. You may go to this page then click on ‘Go to Equifax’s website’.

      Best regards,

  9. Default Gravatar
    CarolJuly 30, 2017

    I do have utility accounts also have a home loan

    • Staff
      RenchJuly 30, 2017Staff

      Hi Carol,

      Thanks for reaching out to us.

      You can try to get a free credit score on this page by entering your details that match your Australian driver’s licence. If you’re still getting the same result (no credit file), please contact Equifax directly to request your credit file. They should be able to give you other options on how you can get your credit file. You may click on this page for Equifax, then click on ‘Go to Equifax’s website.

      Hope this helps.


  10. Default Gravatar
    CcJuly 6, 2017

    I have Telstra account and home loans yet don’t have one.

    • Default Gravatar
      JonathanJuly 6, 2017

      Hello Cc!

      Thanks for the comment! :)

      It is possible that you may have entered insufficient details for Veda to transmit your credit file.

      We recommend that you enter your recent and previous addresses if you recently moved. Alternatively, you can also attempt to generate your score from the bureaus directly to confirm.

      Hope this helps.


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