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1.3. Information included on credit reports

The amount of information included on a credit report varies depending on the individual. But every credit report will include information in the following categories:

1. Personal information

The personal details on a credit report include:

  • Your full name
  • Your date of birth
  • Your gender
  • Your residential address
  • Your employer information or business information
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1.3. Information included on credit reports

2. Consumer credit information

This section makes up the bulk of your credit report and includes:

  • Credit applications made in the past five years.
  • Account open and close dates.
  • Your credit limits for different accounts.
  • Monthly repayment history on credit accounts such as mortgages and credit cards.
  • Details of overdue credit accounts, which could include loans and credit cards as well as utility bills for gas, electricity or telecommunications accounts.

Some of this information – including the monthly repayment history and account open and close dates – has only recently been included in Australian credit reports, so it may take a while to show up on your credit report as CRBs gather this information.

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1.3. Information included on credit reports

3. Public record information

The public record information available of credit reports could include:

  • Court judgments and court writs
  • Directorship details
  • Proprietor details
  • Bankruptcy details
  • Information on any debt agreements or personal insolvency
ACTIVITY: Sample Credit Report
Check out this sample credit report (.pdf) from the MoneySmart website. Take a look at how it’s laid out and then try to identify all of the details we’ve outlined above.