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What is my credit history?

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 Your credit history is a record of all the loans and other credit you have taken out over the past seven years. It will include any overdue payments, loan defaults, judgments, bankruptcy proceedings and other personal details so that a lender can make an informed decision on your ability to make repayments on any future loans with them based on your past history.

Your credit history and the information that they take from that credit report will be looked at differently by each separate lender. For example, some credit providers may be more lenient than others. When it comes to applying for a home loan however, most lenders will want to see a good credit history before approving any home loan application and this has got even tougher since the global financial crisis.

You can obtain a copy of your credit report from www.mycreditfile.com.au if you wish to view it.

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