What is a credit file?

A credit file is simply a report that records information (credit, identity and public) that is of relevance for credit assessment purposes including:

• Who you have applied to for credit (banks, utilities such as telephones, finance companies)
• The amount of credit you applied for
• The type/purpose of credit sought (overdraft, interest free, home loan, credit card)
• Records of payment defaults (overdue accounts) (if any)
• Court judgments (if any)
• Bankruptcy listings (if any)
• Collection Agency defaults (if any)
• Collections data (if any)
• Records of any ID you have reported lost or stolen.

Does everyone have a credit file?

No. Only people who are, or have been, credit active in the last seven years will have a credit file.

What is on my credit file?

Information about you and your credit history including:

• Full name
• Last reported and previous addresses
• Date of birth
• Occupation
• Employer
• Company directorships (if any)
• Who has made credit enquiries and when
• Records of payment defaults (overdue accounts)(if any)
• District and High Court judgments (if any)
• Bankruptcy listings (if any)
• Records of any ID you have reported lost or stolen
• Collections data (if any)
• Collection Agency defaults (if any).