credit file

What will you find in your credit file?

Thinking of ordering your credit report 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, such as a loan or credit card, and have repaid it on time, it will say so. But it will also say how much you applied for, if you were approved the first time you applied and list the repayment history for the past two years. If you've ever defaulted on a loan or credit card, this information will be on your credit report. Your credit report 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 reports. 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.

How it will look when you get your credit report from Finder

  • Credit enquiries, providers and accounts

Any applications you've made in the last five years, whether they've been approved or not, will be listed in your credit file. Your report will detail your current credit providers and accounts, the type of account they are, the repayment status and your credit limit.

How it will look when you get your credit report from Finder

  • Defaults

If you have defaulted on any of your credit accounts it will be listed here. The listing will note the default amount, the date the listing was last updated, the repayment status and the type of credit product it is.

How it will look when you get your credit report from Finder

  • Credit infringements

If you have failed to repay a debt and moved home or the credit provider was unable to contact you, you may have a serious credit infringement. If you have one on your report it will be listed here along with the default amount, type of credit account and payment history information.

credit infringement

How it will look when you get your credit report from Finder

  • Commercial credit 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).

How it will look when you get your credit report from Finder

  • 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.

How it will look when you get your credit report from Finder

How you can check your credit report

You can check your credit file (report) in a few different ways:

Free credit score & report

Lenders know your credit score, so why shouldn't you?

Get your credit score and comprehensive report now!

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6 Responses

  1. finder Customer Care
    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. finder Customer Care
    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

    • finder Customer Care
      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.

    • finder Customer Care
      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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