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What's in your credit report? (infographic)
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By Tammy Barton

Your credit report stores information about your debts and repayments - information that creditors use to measure your creditworthiness. Let’s take a closer look at how credit reporting works and the type of information your credit report may contain.


Improve your credit rating through personal budgeting

Your credit report contains information about your credit history, as well as personal information.

  • Name
  • Date of birth
  • Current and last two addresses
  • Current or last employer
  • Driver’s license number

Credit reporting bodies

Credit providers share information about their debtors’ credit history via credit reporting bodies. There are four credit reporting bodies in Australia. Your credit history is likely to be held by more than one of them.

  • Dun and Bradstreet (dnbcreditreport.com.au - 13 23 33)
  • Experian (experian.com.au - 1300 783 684)
  • Veda Advantage (veda.com.au - 1300 762 207)
  • Tasmanian Collection Service (tascol.com.au - (03) 6213 5555)

Credit reporting in action

Credit providers may collect and report information about your credit history. This information may be used by other credit providers to assess your creditworthiness. Your “creditworthiness” is how likely you are to make repayments on your debts.

Fast facts

  • Since March 2014, creditors may report repayment history information. Payments more than 14 days overdue may be reported as late.
  • Credit rating agencies in the UK and US use a credit scoring system to help creditors assess creditworthiness. Credit scoring is not widely used in Australia.
  • It pays to review your credit report for errors (eg. incorrect repayment history, loan amounts etc.) and fraudulent activity (e.g. applications for credit that you did not make.)
  • The best way to improve your creditworthiness is to pay your bills on time.

Improve your credit rating with a customised budget plan designed to pay all your bills on time.

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