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Comprehensive Credit Reporting

This year comprehensive credit reporting is happening in Australia and customers will soon see a change to their credit report.

Comprehensive Credit Reporting (CCR)

CCR enhances the credit reporting system that’s already in place by allowing for the exchange of additional information between credit providers and credit reporting bodies to provide a more complete picture of someone’s credit history.

Previously a credit report contained any credit enquiries, defaults, serious credit infringements and public record information. The additional information shared for CCR includes account open and closed dates, types of credit, credit limits and up to 24 months of repayment history information.

Credit history information  Existing Reporting  CCR 
Account open dates
Account closed date
Types of credit
Credit limits
24 months of repayment history information    
Credit enquiries     
Serious credit infringements (e.g. fraud or deliberately evading your obligations)    
Public record information, including personal insolvency and court proceedings    

Customers with a Westpac credit card, personal loan, Flexi Loan, permanent overdraft account, home loan or car loan will see a change to their credit report with the inclusion of comprehensive credit information for those accounts between September 2018 and September 2019.

CCR recognises people who display good credit management behaviours and consistent, timely repayments. This means it’s more important than ever to repay your accounts on time so this appears favourably on your credit report. 

Please visit for further information on CCR. 

If you have a question about Westpac account information on your credit report please contact us

If you’re having trouble making your repayments, we can help. Please contact Customer Assist for a confidential conversation about your situation.