Your Credit File
What Information Do They Hold?
Your credit score is determined by your credit file, which is a record of your credit history. It is held by credit bureaus such as Equifax and can contain the following information:
- credit enquiries made in the past five years relating to loans sought for household, personal or domestic purposes, or where you have agreed to act as guarantor for someone else
- current credit relationships; that is, the name of credit providers with whom you currently have loan arrangements
- details of any debts that are 60 days or more overdue, or any debts that have been classified as serious credit infringements
- public information such as bankruptcy, court judgments and court orders
- commercial credit enquiries and debts.
Categories
- Accommodation
- Babies & children
- Child care & early learning in australia
- Community services
- Credit checks
- Driver’s licences in australia
- Education in australia
- Financial stuff
- Government benefits in australia
- Health
- Immigration & residency
- Insurance information
- Legal system of australia
- Marriage & relationships in australia
- Pensions – what you need to know
- Police clearances
- Responsible service of alcohol
- Superannuation – what you need to know
- Tax in aus
- Transporting your belongings to australia
- Utilities – getting connected
- What to bring with you
- Working with children checks