Comprehensive or positive reporting

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A more complete picture of your credit profile


As part of the comprehensive credit reporting (CCR) system that came into effect with the Privacy Act changes in March 2014, lenders will be able to see more information about you when you apply for credit.

The new categories of information included in your credit file include repayment history and credit account details such as the type of credit, who it is with and the credit limit.

The inclusion of this ‘positive’ data means that credit providers have access to richer information about your credit worthiness as a borrower. It also means that credit scores and credit file information can change far more frequently as new information is added.


Credit Savvy provides you free access to your comprehensive credit report information from our partner credit reporting body, Experian.


Signing up to Credit Savvy is as simple as 1, 2, 3

  1. Create an account with Credit Savvy within minutes.
  2. Verify your identity with a form of ID (such as your drivers licence), so we can securely retrieve your credit data from Experian.
  3. Get your credit score and credit file information, along with free credit monitoring tools and resources to help you improve your financial wellbeing!

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