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Comprehensive Credit Reporting

This year comprehensive credit reporting (CCR) is happening in Australia and customers will soon see a change to their credit report.

CCR enhances the credit reporting system that’s already in place by allowing for the exchange of additional information between credit providers and credit reporting bodies to provide a more complete picture of someone’s credit history.

Previously a credit report contained credit enquiries, defaults, serious credit infringements and public record information. The additional information shared for CCR includes account open and closed dates, types of credit, credit limits and up to 24 months of repayment history information.

Credit history information

Existing reporting

CCR

Account open date

 

 

Account closed date

 

 

Types of credit

 

 

Credit limits

 

 

24 months of repayment history information

 

 

Credit enquiries

 

 

Defaults

 

 

Serious credit infringements (e.g. fraud or deliberately evading your obligations)

 

 

Public record information, including personal insolvency and court proceedings

 

 

Customers with a St.George credit card, personal loan, Get Set Loan, permanent overdraft account, home loan or car loan will see a change to their credit report with the inclusion of comprehensive credit information for those accounts between September 2018 and September 2019.

CCR recognises people who display good credit management behaviours and consistent, timely repayments. This means it’s more important than ever to repay your accounts on time so this appears favourably on your credit report. 

Please visit CreditSmart.org.au for further information on CCR. 

If you have a question about St.George account information on your credit report please contact us

If you’re having trouble making your repayments, we can help. Please contact Customer Assist for a confidential conversation about your situation.