Information Contained in your Credit File

Period Held in Credit File

Personal information such as your full name, date of birth, gender, current and previous 2 addresses, current employer and drivers licence number

Life of the credit report

Names of credit providers

2 years starting on the day of the contract for consumer credit ends

Type of credit accounts such as a credit card or a personal loan

Account open and close dates

Credit limits and credit increase history

Repayment history

2 years starting on the day that the consumer credit payment was due to be paid

Court judgments

5 years

Any defaults (account at least 60 days overdue) on a consumer credit payment of $150 or more

5 years starting on the day that the credit provider disclosed the default to the CRB for inclusion in your credit file

Following default, a variation in the terms and conditions of consumer credit is agreed or new consumer credit is provided

2 years starting on the day that the credit provider disclosed the default to the CRB for inclusion in your credit file

A bankruptcy

5 years starting on the day of becoming bankrupt; or

2 years starting on the day a person is no longer bankrupt (whichever is later)

A debt agreement proposal

The period ending on the day that:

• You withdraw the proposal

• The credit provider refused the proposal

• The acceptance of the proposal was cancelled; or

• The proposal lapsed

A debt agreement

5 years starting on the day the agreement was made; or

2 years starting on the day that the agreement was (whichever is later):

• Terminated,

• Ends, or

• An order was made declaring the agreement void

A personal insolvency agreement

5 years starting on the day the agreement was executed; or

2 years starting on the day the agreement was terminated (whichever is later)