Who can see my credit report and how long do credit issues remain on my credit report?

Only certain people can access your credit report for certain purposes. The Credit Reporting Privacy Code limits the people who can access your credit report. These will usually be credit providers who are considering your application for credit.

In some strictly limited circumstances, and generally only with your consent, your credit report may also be made available to:

• Prospective landlords who have offered you a tenancy
• Prospective employers who have offered you a job, as long as that job involves significant financial risk
• Prospective insurers involved in insuring a mortgage you hold
• Debt collectors enforcing a debt against you
• People involved in court proceedings
• Certain public sector agencies acting under another law.

Credit reporters are not allowed to disclose your credit information for the purpose of direct marketing. [

There are time limits for keeping and reporting credit information under the Credit Reporting Privacy Code (CRPC). Read page 24 of Schedule 1 of the CRPC for a full list [PDF, 423 KB]. Opens to PDF, 423KB.

Credit reporters can:

• Generally disclose credit information for only four to five years, and keep this information on their internal record for one year more
• Disclose information about your current accounts until two years after those accounts have closed
• Keep identification information indefinitely
• Keep information about multiple bankruptcies indefinitely.

Updated November 2025