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The first company in Australia to provide consumers with online access to credit reports.

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Report Contents

Compared to Credit Reports in other developed countries, Australian Credit Reports are way behind on detail.

But we're now catching up. In the US, account history information was first shared by lenders via credit reference agencies over 40 years ago, and in the UK, over 30 years ago. From 12 March 2014, lenders started to give account history information to the credit reference agencies, and over a period of five years or so, we should have built up a credit reporting system that will stand comparison with the World's best.

In the meantime, one of the issues arising from 'thin' Credit Reports is that any error is likely to have a much bigger impact on your credit standing, on your Credit Score, and on your ability to get credit, than it will have when we have a more comprehensive credit reporting system.

Find out what your credit history looks like

1. See who else has been looking at your Credit Report

Every time someone checks your Credit Report, a search footprint is made so a record is made. These are kept for five years. There are three types of search footprint – Enquiries, Authorised Agent Enquiries and Accesses.

Enquiries are recorded when a credit provider searches your Credit Report in connection with an application by you for credit and stay there where the credit was granted or not.

Authorised Agent Enquiries are search footprints left by brokers or agents you use to help you to find credit. Accesses are all other search footprints, including those left by you when you search your own Credit Report. You can see these footprints, but lenders and other organisations can't.

2. Check out your Credit Score and Credit Rating

We show you your Credit Score and Credit Rating based on the contents of your Credit Report. Credit Scores distil down the contents of a Credit Report to a single figure which is a measure of the probability of your defaulting on a credit agreement.

You can compare your Credit Score generated by your Credit Report contents with that calculated from the details given in credit application forms – your Application Credit Score – which you can find for free on Your Free Credit Score page.

Are there defaults on your credit report?

3. Spot problem accounts on your Credit Reports

With account history now being reported, you'll be able to see the current status of each account, as well as the worst one - helping you to quickly spot any problems which are affecting your credit standing, to identify dormant accounts that need to be closed, and to watch for early signs of identity fraud, such as new accounts being opened in your name that you are not aware of.

4. See where your financial commitments are

Once account history credit reporting gets into full swing, we'll analyse how your reported commitments are spread. The coloured segments of the pie chart shows how the total borrowings shown on your Credit Report are split between five different types of credit, helping you to understand clearly where you owe money.

5. Too much credit card debt on your Credit Report?

You can identify whether you can save money either by consolidating static credit card balances to lower cost loans, or by switching balances to a new credit card with an introductory 0% balance transfer offer.

6. Track your overall financial fortunes

If you subscribe to our Credit Report Monitoring service, you will be able to monitor how the total borrowings shown on your Credit Report are moving over time. If you have switched card debt to a 0% card, or have consolidated to a loan, you should see your overall borrowings decrease.

7. Check what Public Record Information is shown

Generally Public Record Information - any Summons, Judgment, Bankruptcy, Deed Arrangement or Personal Insolvency Arrangement – have a very severe impact on your credit standing, your Credit Score and on your ability to get credit. Make sure that there's nothing unexpected in this very important section of your Credit Report. More on Public Record Information.

Are there file notes on your credit report?

8. Check the relevance of any File Notes

You have a right to add a note to your Credit Report if you wish. But it's not a great idea. These are usually written to explain the circumstances surrounding adverse information on your Credit Report, or to record that you do not agree with the accuracy of an element of your Credit Report.

We doubt that lenders take any notice of them as they just flag up a past battle or a potentially tricky customer, and often read like excuses. You have to remember to reapply to the credit reference agency to take them off, and if you don't you'll be flagging up a past issue that may no longer appear on your Credit Report.

9. Serious Credit Infringements

A Serious Credit Infringement is an adverse record on a credit report saying that an individual has done something which a reasonable person would consider indicates an intention to no longer comply with that individual's obligations in relation to consumer credit provided by a credit provider.

Before being able to record a Serious Credit Infringement, the credit provider must have taken reasonable steps to contact the individual about the act without success and at least 6 months must have passed since the credit provider last had contact with the individual. As the name implies, this is a serious and adverse addition to any Credit Report.

Good and bad points on your credit report

10. Check for any record of Defaults

A Default is recorded when payments are more than 60 days overdue and where the credit provider has started collections and recovery action. Defaults have an adverse impact on your credit standing, your Credit Score and on your ability to get credit, and stay on your Credit Report for five years whether repaid in full or not, as a warning to other credit providers.

You can check to see whether any Defaults are recorded, and if there are any, what the status of each Default is – in particular whether marked as paid in full if that is the case.

11. Directorships

This data, which is obtained from the Australian Securities and Investment Commission, helps fluff out the contents on Credit Reports. The information includes current and previous directorships and is only updated at your request or at the request of a credit provider, so the onus is on you to correct any stale information. The information is generally of little use to lenders when assessing you for credit.

12. You are the Quality Controller

At this important time in the development of Australia's credit reporting system, the failsafe is that consumers will check their Credit Reports for error – in effect the ultimate quality controller of what is held at the credit reference agencies is you. But first you have to get your Credit Report, and that's just the start.

Check Your Credit Report Free

Or if you prefer, purchase a one-off Credit Report

We are deeply experienced in helping consumers to check their files, sort errors and to use Credit Reports to their personal advantage.

Credit providers and businesses are the main income sources for the credit reference agencies. Helping consumers is our only income source – we have the best interests of consumers at our heart and we are passionate about enabling consumers to have access to Credit Reports and to put errors right.

Customer Reviews
Customer Reviews

See what lenders see when they check you out – and a lot more besides. The scope for Credit Report errors increases as more and more information is added to your Credit Report, but the onus for checking what's right lies with you.
It's not a one-time thing either. Once you know it's right, our Credit Monitoring Service will help keep it right.

It takes only minutes to sign up - and a lot less time to cancel, which you can do at any time.

It's really easy to buy from us

We take the absolute minimum of personal details that we need to order your Credit Report. We don't ask you for your telephone number, or mother's maiden name.

You can pay from the widest choice of payment mechanisms available. Our prices are clear and upfront - and where you have a choice of payment frequency, the default is always the cheapest option.

To make sure that we only provide your Credit Report details to you, before we can give you instant online access we try to authenticate you by asking you a series of questions that only you should know the answers to. Should you fail, we send a special code to you by First Class Mail so you can access your Credit Report the next business day.

Once you've seen your Credit Report, any questions you have will be welcomed by our professionally qualified Credit Analysts - you can contact us on our Freephone number, by email or using our Secure Message system, as you prefer.

No music, no waiting on the phone, no foreign call centres.

Accepted Payment Methods: VISA and MasterCard

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