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Your credit history is an accounting of how and when you have borrowed... ...more
An Australian credit report contains information about your past and current credit history, along with some aspects of your personal history.
Included on credit reports is, firstly, your personal details, including name, date of birth, addresses, both past and current, current employment status and any driver’s license numbers. Also included are details on credit applications, including the type of credit (such as home loan or credit card), amount of credit received and name of the credit provider.
Credit defaults and paid credit defaults are also included on the score. Defaults refer to payments overdue by 60 days or more for which a notifying letter has been sent in order to collect payment. Also on credit reports are any serious infringements, such as when any provider has tried, unsuccessfully, to contact you in writing and has had to report you as a missing debtor.
Some information may not, legally, be included on a credit report. This information includes ethnicity, beliefs or affiliations, both social and religious, medical and criminal records, political affiliations, ethnicity, or sexual preferences.
In Australia, credit or loan applications, overdue accounts, and court judgments are shown on a credit file for five years from the date of the listing.
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