Bad Credit Australia- credit report

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What is credit report

Your Credit Report is a collection of your personal financial information. Your credit file is initiated by the credit provider the first time you apply for credit.

Credit Reporting Agencies collate your credit information and supply it to creditors such as banks and businesses to help them decide whether or not to give you a loan or extend credit.

Information in your Credit Report includes:

• Your Date of Birth

• Place of Residence

• Employment history

• A list of current and past credit application

• A history of past credit problems including defaults for unpaid debts, court judgements and bankruptcies

Credit applications and enquiries and overdue accounts are held on your file for five years, whereas Bankruptcy information is held on your file for 7 years.