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 obtain your credit report from a credit bureau (a company that collects everyone’s credit information).

Under the Credit Reporting Privacy Code, credit providers (including 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

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 could make it even easier for you to get credit.

If you miss a payment though, 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?

The good news! 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

Visit a branch

Our branches are here to help you too.

Find your nearest branch

Call us

Any time from 7am – 8pm weekdays, 8am – 5pm weekends.

Call 0800 400 600

Things you should know.

References to non-Westpac websites are provided for your convenience only. Westpac accepts no responsibility for the availability or content of such websites.