What's on your credit report?


  • Name
  • Date of Birth
  • Current address and last two
  • Current or last employer
  • Driver's licence number
  • Credit application(s)

It used to take a lot to earn a black mark:

  • Bankruptcy
  • Court Rulings against you
  • Defaults – telco, electricity, gas bills (60 days late on a bill $150 or more)
  • Not contactable – consumer has a serious credit infringement and has not been contactable for six months

Now you only need to be late on one payment

e.g. credit card, home loan, personal loan, car loan, retail offer

More than 14 days late with payment 

  • Maximum credit limit
  • Date entered/closed

Back to the main article: how to protect your credit rating

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