What goes on your personal credit report?

Find out what information is stored on your credit record and improve your financial footprint before you next apply for credit.

Your credit file is a detailed account of your credit history that credit providers rely on to tell them what kind of borrower you are. But what exactly is included on your credit report? By better understanding what interactions with banks and lenders are listed on your report, you can make more informed financial decisions. Then, when it comes time to apply for credit, you'll be in a better position to be approved.

  • Personal information

This section of your credit report has details that are used to identify you. This includes your name, date of birth, your address history, your driver's licence number and also your employment history.

Equifax Credit File Personal Info

Source: Equifax

  • Consumer credit information

  • Credit enquiries

Any applications you've made for credit in the last five years will be included in your credit report, whether they've been approved or not. These enquiries relate to loans for household or family purposes for purchasing, renovating or refinancing residential investment property, credit cards, mortgages, car loans or even utility accounts. Interest-free store finance and store cards will also be included as well as any accounts you've gone guarantor on.

Equifax credit enquiries

Source: Equifax

Did you know utility accounts can affect your credit?

Utility accounts such as your electricity, gas and Internet are listed on your credit report. Each time you enquire with a utility provider it will be listed with your credit provider and any unpaid bills over $150 that are more than 60 days overdue can be listed on your credit file.

  • Default notes.

If you have any overdue debts they will be listed on your credit file. This includes payments you've missed on loans and utility bills as well as serious credit infringements.

  • Consumer credit liability accounts

This section applies to consumer accounts that you currently have open or have held in the past. The credit limits will be noted on your report as well as the type of account and the date the account was open and closed. Details of overdue accounts will also be included.

  • Monthly repayment history on credit accounts

The monthly minimum repayment information on accounts such as mortgages and credit cards will be listed on your credit file. However, not all credit providers have started supplying this information yet, so you may not see it included for all of your accounts.

Equifax Monthly Repayment

Source: Equifax

  • Public record information

Any relevant credit information that is held on the public record will be included on your report. This includes court judgements, directorship details, proprietorship details, bankruptcies, debt agreements and personal insolvencies.

  • Commercial credit information

Any credit enquiries you make for commercial credit accounts, such as a credit card for a small business or a business loan, will also be listed on your personal credit file. If you are overdue on any of these accounts it will be included in your file.

  • File access

Any time you credit file is accessed by you or a credit provider it will be noted on your file. Under the Privacy Act 1998, only credit providers, mortgage insurers, trade insurers and authorised agents acting on your behalf can access your credit file in certain circumstances. Commercial credit and public record information can also be disclosed to organisations that deal with commercial credit-related activities and collect debts.

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

Picture: Shutterstock

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12 Responses

  1. Default Gravatar
    JustineSeptember 30, 2017

    I’m trying to obtain my credit report! I haven’t credit score! My concern is I purchased text books through the co-op
    Using zip pay! Had issues with them and I never used this method again! Paid the balance in full and they suspended them cancelled the account ! I’m wanting to know if that has affected my credit report and score!!!

  2. Default Gravatar
    OrewaSeptember 13, 2017

    I paid off my car over four years. How can I be sure that positive info is seen by those rating my credit history?

    • Staff
      MaySeptember 14, 2017Staff

      Hi Orewa,

      Thank you for your inquiry.

      Your score is basically calculated based on the information found in your credit file. So any “positive” activities can factor in getting a good credit rating. Your monthly repayment history information on active credit accounts stays on file for 2 years. On the other hand, if there are also negative listings on your file like several credit enquiries due to many credit applications in a short period of time, payment defaults, writs, and overdue accounts etc, those can also impact your score.

      If you’d like to know more about credit file, you can read this article. For ways on how you can check your credit score, please refer to this page and for tips on how to improve your score is outlined here.

      Hope this helps.


  3. Default Gravatar
    September 11, 2017

    Hi there. I just want to know my credit score. Thanks

    • Default Gravatar
      JonathanSeptember 11, 2017

      Hello Tajinder,

      Thank you for your inquiry.

      We have a full-guide on how to get your credit score properly. Please take note that you would need to provide your driver’s license details for this to be completed.

      Hope this helps.


  4. Default Gravatar
    MaryJune 29, 2017

    I just want my credit score.

    • Default Gravatar
      JonathanJune 29, 2017

      Hi Mary!

      You can visit this page to generate your score!

      All the best!

      Hope this helps.


  5. Default Gravatar
    MarkMay 12, 2017

    I just want to see my credit score

    • Staff
      MayMay 12, 2017Staff

      Hi Mark,

      Thanks for reaching out.

      If you have a valid Australian driver’s licence ID, you can get your credit score through our site. Please click this page to find out your score for free.


  6. Default Gravatar
    kirstyJanuary 24, 2017

    I have received my credit report and have no outstanding debts listed attached to the mail was an updated individual credit form. i’m not sure if the credit report i received is true history of my credit report.
    If I did have any outstanding credit would it show on my report ?

    • Staff
      MayJanuary 24, 2017Staff

      Hi Kirsty,

      Thanks for your question.

      Just to confirm, which credit reporting agency you got your credit file from?

      Basically, your credit file contains a variety of information like your personal details, credit accounts you’ve applied for, accounts you’ve defaulted on and more. Furthermore, there are different reporting bureaus (Veda, Dun and Bradstreet and Experian) and each will have access to different sources, so your credit score may be different with each one, but your credit file should remain the same. Also, it’s best to check your credit file with each bureau to ensure it’s correct.


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