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What do the changes mean for you?
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What do the changes mean for you?
Previously your credit report may have included information such as when you previously applied for credit, any defaults and public record information.
With CCR, your credit report may also include additional information on your personal credit accounts like when you opened and closed the account, type of account, credit limit and up to 24 months of repayment history information.
| Credit history information | Current credit reporting | Comprehensive credit reporting (CCR) |
| Personal information (e.g. name, address, date of birth) | √ | √ |
| Open and closed dates | √ | |
| Type of account | √ | |
| Credit limit | √ | |
| Repayment history information (24 months) | √ | |
| Defaults | √ | √ |
| Serious credit infringements | √ | √ |
| Credit enquiries | √ | √ |
| Public record information (e.g. bankruptcy, debt agreements, court judgments, company directorship) |
√ | √ |