Your Credit File

Information Contained in your Credit File
Period Held in Credit File
Personal information such as your full name, date of birth, gender, current and previous 2 addresses, current employer and drivers licence number
Life of the credit report
Names of credit providers
2 years starting on the day of the contract for consumer credit ends
Type of credit accounts such as a credit card or a personal loan
Account open and close dates
Credit limits and credit increase history
Repayment history
2 years starting on the day that the consumer credit payment was due to be paid
Court judgments
5 years
Any defaults (account at least 60 days overdue) on a consumer credit payment of $150 or more
5 years starting on the day that the credit provider disclosed the default to the CRB for inclusion in your credit file
Following default, a variation in the terms and conditions of consumer credit is agreed or new consumer credit is provided
2 years starting on the day that the credit provider disclosed the default to the CRB for inclusion in your credit file
A bankruptcy
5 years starting on the day of becoming bankrupt; or
2 years starting on the day a person is no longer bankrupt (whichever is later)
A debt agreement proposal
The period ending on the day that:
  • You withdraw the proposal
  • The credit provider refused the proposal
  • The acceptance of the proposal was cancelled; or
  • The proposal lapsed
A debt agreement
5 years starting on the day the agreement was made; or
2 years starting on the day that the agreement was (whichever is later):
  • Terminated,
  • Ends, or
  • An order was made declaring the agreement void
A personal insolvency agreement
5 years starting on the day the agreement was executed; or
2 years starting on the day the agreement was terminated (whichever is later)

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Debt Solutions to help you:

  • Save your house or car
  • REDUCE THE STRESS
  • Be debt-free in 30 to 60 months*
  • Reduce future interest
  • Stop the phone calls