What will you find in your credit file?

Elizabeth Barry 1 August 2016


Thinking of ordering your credit file but not sure what to expect? You'll know by the end of this guide.

Your credit file is your "borrower report card". If you've taken out credit and been a good borrower, it will say so. But if you've ever taken out credit and been a bad borrower it will also say that. Your credit file helps lenders determine whether or not they want to lend to you.

While it's a useful document, there is a lot of confusion around credit files. Compared to the US where people can rattle off their credit score without thinking twice, many Australians have never ordered their credit file and don't know their credit score. Discover what you'll find in your credit file in the guide below.

  • Personal information

Your name, date of birth, gender and driver's licence number are listed on your credit file. Your address and employment history will also be listed.

Equifax Credit File Personal Info

Source: ASIC's Moneysmart

  • Consumer credit account information

Any applications you've made in the last five years, whether they've been approved or not, will be listed in your credit file. The listing will mention what type of accounts they were, the dates they were opened and closed and what the credit limits were.

Equifax Account Listing

Source: ASIC's Moneysmart

  • Commercial credit account information

If you hold any commercial credit accounts or have applied for any but were not approved, these will be listed in your personal credit file. The details of these accounts will also be included (for instance, if you've made repayments late).

Equifax Commercial Credit File

Source: ASIC's Moneysmart

  • Public record information

Any credit-related information that is held on the public record will be included in your credit file. This can include bankruptcy notes, court writs, court judgements, personal insolvency agreements or directorship and proprietorship information.

Equifax Public Record Info

Source: ASIC's Moneysmart

  • "Bad credit" listings

Late payments, overdue debts, missed payments on loans or utility bills or serious credit infringements are listed on your credit file. Your repayment history is listed under each of your accounts (as shown below) with "0" indicating you are zero payments overdue. Any number other than zero indicates you are that number of payments overdue.

Having too many credit enquiries can also damage your credit file, even if you don't have bad credit listings. If you make multiple credit enquiries in a short space of time it can damage your credit score and flag you as a risk to prospective lenders. These are listed in a block toward the end of your credit file.

Repayment History Credit File

Source: ASIC's Moneysmart

How you can order your credit file

You're entitled to one free credit file a year from any of the major credit reporting bureaus. You can also get a free credit file if you've been denied credit in the previous 90 days. If neither of these two scenarios apply to you or you're looking to receive your credit file more quickly (free delivery takes 10 days) you can pay to get your credit file delivered in one day.

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

Picture: Shutterstock

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6 Responses

  1. Staff
    LouOctober 26, 2016Staff

    Hi David,

    Thanks for your question.

    You can get your free credit score now through this page.

    If you want a comprehensive credit file, you can also get it for free by submitting a request here.


  2. Staff
    ElizabethOctober 26, 2016Staff

    Hi David,

    You can order a copy of your credit file by following the link to Veda on this page.

    Hope this helps,


  3. Default Gravatar
    robertaSeptember 19, 2016

    I want a copy of my credit file thank you

    • Staff
      ElizabethSeptember 19, 2016Staff


      You can get a copy of your credit file by following the link on this page. If you want the free report just click “products and services” once on Veda’s site and then select “credit report in 10 days”. You can also pay to receive your credit file in 24 hours.

      I hope this helps,


  4. Default Gravatar
    marionSeptember 19, 2016

    Would you be able to send me a free copy of my credit file?

    Thank you.

    Regards, Marion Fraser.

    • Staff
      ElizabethSeptember 19, 2016Staff

      Hi Marion,

      You can request your free credit file by following the link on this page. Once you are securely transferred to Veda’s website click “Products and Services” and then click “Report in 10 days”.

      I hope this helped,


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