Why it's important.

When you apply for credit - anything from a home loan, car finance or a credit card, we may need your consent to get your credit report from a credit bureau (a company that collects everyone’s credit information).

Credit providers like banks, phone and power companies can share information with credit bureaus about your credit and repayment history. Credit bureaus can then pass this on when lenders run a credit check. This is all under the Credit Reporting Privacy Code.

What does it mean?

If you make your home loan, power or credit card payments by the due date, this will be reflected on your credit report and can make it easier for you to get credit.

If you miss a payment this may also be reflected on your credit report and your access to credit may be limited.

What can you do to improve your credit report?

We’ve got some helpful tips to build a good credit report:

We can help.

More info

If you're interested in learning more about credit reports or perhaps requesting one see the Privacy Commissioner website.

Learn more

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Call us

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Call 0800 400 600

Things you should know.

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