Comprehensive Credit Reporting & Repayment History Information
Frequently Asked Questions
The comprehensive credit reporting system enables lenders in Australia to share information about your credit accounts and repayment histories with credit reporting bodies, like Experian, who then consolidate this information into a credit report.
Repayment history information such as whether you have made minimum payments on your credit cards and other loans on time may be included in your credit report.
This section includes information on the most common queries relating to comprehensive credit reporting and repayment history information. View the detail on your topic of interest below.
Credit reporting is the sharing of information between credit providers and credit reporting bodies (like Experian, Equifax and illion) about the lending products you have, such as credit cards, personal loans, home loans and overdrafts. Providers of other types of credit, such as phone, internet and utility providers, can also take part in credit reporting. However, these organisations cannot share all the same types of information as lenders who offer credit cards, personal loans, home loans and overdrafts.