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What do the changes mean for you?

Previously your credit report may have included information such as when you applied for credit, defaults and public record information.

With CCR, your credit report may also include additional information on your personal credit accounts like when you opened and closed the account, type of account, credit limit and up to 24 months of repayment history information.


Credit history information Current Credit Reporting Comprehensive Credit Reporting (CCR)
Personal information, for example - name, address, date of birth
Open and closed dates  
Type of account  
Credit limit  
Repayment history information - 24 months  
Serious credit infringements
Credit enquiries
Public record information, for example -
bankruptcy, debt agreements,
court judgements, company directorship


We have already commenced sharing credit card, personal loan, home loan and personal overdraft credit data with credit reporting body Equifax, although you may not see this data on your credit report immediately.

Our Credit Reporting Policy was updated to include this in March 2014 and if your account was opened before that time, we let you know about the changes with a statement notification.

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Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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