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What is in Credit Report?

Personal Details
This information is used to verify your identity. It helps as a safeguard against identity fraud.
  • Your name
  • Your date of birth
  • Your current and past addresses
  • Employment status
  • Driving licence number

Credit Applications

This section details the number of credit applications you have submitted.

  • The name of all of your past and current credit providers
  • The amount of credit applied for
  • The type of credit - ie. if it was for a mortgage or a car loan
  • Also, if you were refused or accepted credit

Credit Defaults

This section of a credit report shows instances where you have overdue payments of over 60 days and have been sent a letter notifying you of the default. To a lender you are deemed to be a "high risk client" if you have defaults here.

Paid Credit Defaults
This is where it is listed that a credit default has been paid. If you have paid your defaults you will be viewed more favourably by lenders.
Serious Credit Infringements
This section details instances where you have had a credit default , the lender has attempted to contact you in writing and there has been no response. You have been listed as a missing debtor. In this instance you will have trouble obtaining credit with this on your file.

Information on the public record

This section outlines any court ordered payments listed. Any sort of judgment debts or bankruptcy orders are listed here. You may have trouble obtaining any sort of credit with a listing here until the expiry date of such orders.