Your credit report (also known as a credit file) is one of your most important financial assets. Safeguarding this report is an important part of the finance application process. The Privacy Act was amended in December 2013 to allow financial institutions to share your credit liability and repayment history including whether your payments have been made on time OR NOT.
All this information is held in your credit report.
Your credit report contains a history of your credit related financial information within the past five years including: