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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44 Responses

  1. Default Gravatar
    DermotApril 13, 2018

    What is my credit score?

  2. 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.

    • Staff
      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,


  3. Default Gravatar
    TeeMarch 23, 2018

    Wanna no how I could manage my credit inquiries?

    • Staff
      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,

  4. Default Gravatar
    ZouheirMarch 21, 2018

    Need my credit check.

  5. Default Gravatar
    WendyMarch 17, 2018

    What’s my credit rating please?

  6. Default Gravatar
    PetaMarch 15, 2018

    What is my credit score?

    • Staff
      JhezelynMarch 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.


  7. Default Gravatar
    DeanMarch 9, 2018

    What’s my credit score?

  8. Default Gravatar
    SteveFebruary 20, 2018

    How long is bankruptcy on your files and how long does it take to remove after you have finished your bankruptcy

    • Staff
      RobynFebruary 25, 2018Staff

      Hello Steve,

      Thank you for your inquiry. The most current information states that bankruptcy stays on your credit file for at least two years from the date of discharge before it’s deleted. You may check this page for more information about bankruptcy.

      The end of bankruptcy is when you are discharged, which is where you are no longer consider bankrupt. But in reality, the effects of bankruptcy last long after you’ve been discharged. Your name will be recorded on the National Personal Insolvency Index (NPII) forever. In terms of being discharged and your bankruptcy being removed from your credit file, the following applies:

      > Debtors petition bankrupts. If you became bankrupt by presenting your own petition, you’ll be due for discharge three years and one day after filing your petition with the AFSA.
      > Sequestration order bankrupts. If you were made bankrupt by an order of the court, you are due for discharge three years and one day after your complete statement of affairs was accepted by the AFSA.
      > Exceptions for all bankrupts. In some cases, bankruptcy can be extended to five or eight years if your trustee lodges an objection to your discharge.

      Hope this helps. Should you have further questions or clarifications, please do not hesitate to contact us again.

      Best Regards,

  9. Default Gravatar
    JohnFebruary 14, 2018

    What’s my credit score please

    • Default Gravatar
      RobynMarch 12, 2018

      What is my credit score

    • Staff
      JoelMarch 14, 2018Staff

      Hi Robyn,

      Thanks for leaving a question on finder.

      To get your credit score. Please go to this link.


    • Staff
      JonathanMarch 7, 2018Staff

      Hi John, thanks for your inquiry!

      You can check your credit score for free here.



  10. Default Gravatar
    DanielJanuary 25, 2018

    Could you tell me my credit rating, please?

    • Staff
      RenchJanuary 26, 2018Staff

      Hi Daniel,

      Thanks for your inquiry.

      You may go to our free credit score page then fill out the form to know your credit rating. Please enter details that are matching from your valid Australian driver’s licence.

      Best regards,

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