How can I check my credit history?
Your credit file contains your credit history Australia-wide. Credit bureaus, such as Equifax, can provide you with a copy of your credit file, regardless of where you live.
While countries such as the UK and America record ‘positive’ data in credit files (such as open and closed accounts, or account repayment history), credit files in Australia typically record the following information:
- Loan enquiries made in the past five years for household, personal or family purposes or to purchase, re-finance or renovate a residential investment property, or where you have gone guarantor for someone else with respect to consumer credit
- Details of any debts including serious credit infringements and debts that are overdue by 60 days or more
- Type of credit account such as a credit card or personal loan
- Account open date and close dates
- Credit limit. This is the maximum amount of credit available to you for an account. If you accept a credit limit increase the new credit limit could be included on your credit history.
Monthly repayment history on credit accounts such as mortgages and credit cards. This will reflect whether you paid the minimum amount required on your financial commitments each month on time or not.
New arrangement informationcredit enquiries made in the past five years.
- court judgements and court writs
- directorship details
- proprietorship details
- bankruptcy, debt agreement and personal insolvency information.
You may not be aware that your credit file may also show if you’ve been ‘shopping around’ for credit; for example, if you’ve made a relatively high number of credit enquiries in a short timeframe.
Lenders can access this information as part of a credit check or record search. They will then review your credit history to help determine if you are a suitable candidate for a loan. This is why it’s a good idea to view your file and check your credit history. When you view your file, you’ll also be able to see details of any credit enquiries you have previously made, such as applications for store cards or mobile phone plans.
Your credit file contains ‘nationwide data’ so you can view credit enquiries you’ve made in Perth, Melbourne, Brisbane, Adelaide, Canberra and Sydney, as well as regional areas – across NSW or Queensland, for example.
Accessing your credit history is easy. Simply check out our range of Your Credit and Identity product packages or get your free credit report here.
How can I check my credit history?
Your credit file contains your credit history Australia-wide. Credit bureaus, such as Equifax, can provide you with a copy of your credit file, regardless of where you live.
While countries such as the UK and America record ‘positive’ data in credit files (such as open and closed accounts, or account repayment history), credit files in Australia typically record the following information:
- Loan enquiries made in the past five years for household, personal or family purposes or to purchase, re-finance or renovate a residential investment property, or where you have gone guarantor for someone else with respect to consumer credit
- Details of any debts including serious credit infringements and debts that are overdue by 60 days or more
- Type of credit account such as a credit card or personal loan
- Account open date and close dates
- Credit limit. This is the maximum amount of credit available to you for an account. If you accept a credit limit increase the new credit limit could be included on your credit history.
Monthly repayment history on credit accounts such as mortgages and credit cards. This will reflect whether you paid the minimum amount required on your financial commitments each month on time or not.
New arrangement informationcredit enquiries made in the past five years.
- court judgements and court writs
- directorship details
- proprietorship details
- bankruptcy, debt agreement and personal insolvency information.
You may not be aware that your credit file may also show if you’ve been ‘shopping around’ for credit; for example, if you’ve made a relatively high number of credit enquiries in a short timeframe.
Lenders can access this information as part of a credit check or record search. They will then review your credit history to help determine if you are a suitable candidate for a loan. This is why it’s a good idea to view your file and check your credit history. When you view your file, you’ll also be able to see details of any credit enquiries you have previously made, such as applications for store cards or mobile phone plans.
Your credit file contains ‘nationwide data’ so you can view credit enquiries you’ve made in Perth, Melbourne, Brisbane, Adelaide, Canberra and Sydney, as well as regional areas – across NSW or Queensland, for example.
Accessing your credit history is easy. Simply check out our range of Your Credit and Identity product packages or get your free credit report here.