What information can credit reporters collect about me?

Credit reporters can only collect certain types of information for their credit reporting databases.

The types of information they can collect are set out in full in the Credit Reporting Privacy Code. Some of the information is about: 

• The credit accounts you hold, including their credit limits and repayment history

• Any times you have defaulted on credit repayments (where a failure to pay has gone to debt collection)

• Any court judgments that have been made against you

• Any times you have been made bankrupt or entered into an insolvency arrangement (including entry to a No Asset Procedure).

If you are concerned about personal information being collected by credit reporters, you can raise this with the credit reporter for an explanation. If you are not satisfied with the explanation, you can make a complaint to us and we can check the credit reporter is complying with its obligation under the Code.

Updated November 2025