If you’ve ever applied for a credit card, a loan, a mortgage, a mobile phone plan, a store card, or a utilities account, you’ll probably have a credit file. You could think of it as your ‘credit footprint’. It records your credit history and may be used by credit providers when they are assessing an application for credit.

The details recorded on your credit file could include:

  • any overdue debts and defaults;
  • the number of credit enquiries made in the last five years, including the credit provider and amount of credit requested;
  • credit information such as type of credit account, open and close dates and credit limit;
  • monthly repayment history information;
  • bankruptcy information;
  • court judgements and court writs.