Credit Files

You will have a credit information file if you have applied for or obtained credit in the past. Your credit file contains information which can be used by credit providers to assess your credit applications. It can also be used by debt collectors to locate a person who has defaulted on a credit repayment. It may contain negative information such as default listings and public record information (such as a judgment or writ of summons), which may affect a person’s ability to get credit.

or general information about credit reports and how to obtain one, review our Fact Sheet on Credit Reports.

To obtain a free copy of your credit file, complete the following Equifax Online Form.

For information about placing a listing on a credit file, and how to update those listings, review our How to update listings on credit information file fact sheet.

If you have missed a payment and are worried that this may be listed on your credit file, please see our Default Notices Fact Sheet

New Changes to Privacy Laws– Consumer Credit Repayment History Information

From 12 March 2014, changes to the Privacy Act 1998 (Cth) allow credit reporting agencies to record an individual’s consumer credit repayment history information (“RHI”) on their credit file. RHI is information about whether the individual has met their consumer credit payment obligations.  However, even though credit files will not show RHI until 12 March 2014, the RHI can relate to payments made or missed from 12 December 2012.

For more information, please see our  Fact Sheet: Repayment History Information