What goes on your personal credit report?

From your current credit accounts to defaults and enquiries, discover what you'll find on your credit report.

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Your credit report is a detailed document of your credit history that includes your personal information, current and past credit accounts, payment history, defaults and more. Credit issuers use your report to determine what kind of borrower you are. Knowing what's on your credit report can help you understand the positive and negative financial behaviours that are listed on your report as well as how they'll impact your credit score and chances of approval the next time you apply for credit.

You can use this guide to understand what's on your file and to order a copy of your credit report and score for free through Finder.

  • Personal information

This section of your credit report contains 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.

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

  • Consumer credit information

  • Credit enquiries, credit providers and current accounts

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 could include applications for personal loans, mortgages, credit cards, 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.

This section will also list your current credit providers and accounts, the type of account they are, the repayment status and your credit limit.

Did you know that 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 as a default.

  • 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.

  • Defaults

If you have a debt of $150 or more overdue for at least 60 days, your creditor can list it as a default on your account. Defaults remain on your report for five years, even after you've paid the overdue amount. If your credit issuer attempts to contact you several times and do not receive a response, the default will change to a serious credit infringement which will remain on your account for seven years. Both defaults and serious credit infringements have a negative impact on your credit score. You can learn more about the difference between defaults and credit infringements on Finder.

credit infringement

  • 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 and what's on your credit report? Find out now for free.

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52 Responses

  1. Default Gravatar
    TashDecember 5, 2018

    Hi, i applied for a personal loan with a lender that is taking ages.

    I want to apply through a different financial institution/bank – how much wilk this affect my score?

    Ie – 2 applications in 1 month?


    • Avatarfinder Customer Care
      JohnDecember 10, 2018Staff

      Hi Tash,

      Thank you for reaching out to finder.

      If you make multiple applications for credit in a short space of time, not only will you affect your credit score but it’s possible that a potential lender might see this as an indicator of severe financial difficulties. While the lender can’t be certain whether you’ve had applications rejected without asking you, it may draw conclusions from your credit file – for example if you made a number of applications for credit, but these were not followed by any repayments. You may also want to check this finder page to find out more if loan applications affect your credit score? Hope this helps!


  2. Default Gravatar
    KathleenOctober 10, 2018

    I have a lender who I have never browed from latitude finance on my record how do I get rid of this?

    • Avatarfinder Customer Care
      JohnOctober 10, 2018Staff

      Hi Kathleen,

      Thank you for leaving a question.

      I understand that you wish to have your credit report corrected with the wrong line item from a lender. For that to be completed, please reach out to Experian who is a credit reporting agency to file the correction. You may call them at 1300 783 684 or send an email to creditreport@au.experian.com to start the process. Hope this helps!


  3. Default Gravatar
    CassandraApril 26, 2018

    Just wanna check my credit

    • Avatarfinder Customer Care
      JeniApril 26, 2018Staff

      Hi Cassandra,

      Thank you for getting in touch with finder.

      Since you want to check your credit rating, you may get it free, quick and easy by checking out this link.

      I hope this helps.

      Have a great day!


  4. Default Gravatar
    BlairApril 24, 2018

    What’s my credit score

    • Default Gravatar
      ArnoldApril 24, 2018

      Hi Blair,

      Thanks for your inquiry

      A credit score is a numerical representation of your credit history. Each credit bureau determines your credit score differently. If you want to get your credit score for free, please feel free to click on this link. Before you go ahead with the process, you may want to check our quick guide to ensure you do the process and enter your details correctly as only 2 incorrect attempts are allowed. Please click here to view the guide.

      Hope this information helps


  5. Default Gravatar
    DermotApril 13, 2018

    What is my credit score?

  6. Default Gravatar
    PatriciaMarch 25, 2018

    How do I get my score without having to keep putting in email and password for a 1 off look.

    • Avatarfinder Customer Care
      NikkiMarch 27, 2018Staff

      Hi Patricia!

      Thanks for your message and for contacting finder.

      As an SOP in checking the credit score, that is the observed way of checking your credit score as those are the recorded information in tracing your details.

      Hope this helps!

      Thanks and best regards,


  7. Default Gravatar
    TeeMarch 23, 2018

    Wanna no how I could manage my credit inquiries?

    • Avatarfinder Customer Care
      RonMarch 25, 2018Staff

      Hello Tee,

      Good day! Appreciate you contacting finder regarding your inquiry today.

      If you are referring to managing your credit inquiries to make sure your credit file won’t reflect numerous multiple credit inquiries, it would totally be dependent on you as you have to apply for loans/credit in moderation to prevent this from happening. For general comprehensive guide on how to improve your credit score, you may check this page.

      However if you are referring to managing your credit inquiries which are already posted on your credit file and you feel that these are incorrect listings, you can request for a credit repair to clean these up from your credit file. For more information about this, you may go through this page.

      Hope this helps!

      All the best,

  8. Default Gravatar
    ZouheirMarch 21, 2018

    Need my credit check.

    • Avatarfinder Customer Care
      JhezMarch 22, 2018Staff

      Hi Zouheir,

      Thank you for your comment.

      Please refer to our step-by-step guide to getting your credit score. Please ensure to enter accurate details.

      In addition, to understand how you got a certain score, you may access your free credit report. It may take up to 10 days to receive this.


  9. Default Gravatar
    WendyMarch 17, 2018

    What’s my credit rating please?

  10. Default Gravatar
    PetaMarch 15, 2018

    What is my credit score?

    • Avatarfinder Customer Care
      JhezMarch 16, 2018Staff

      Hi Peta,

      Thank you for your comment.

      Please refer to our step-by-step guide to getting your free credit score here. Please make sure to enter accurate details.


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