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Comprehensive credit reporting (CCR) was introduced in Australia to provide a more complete picture of your credit history. 

Under CCR, financial institutions are sharing additional information which forms part of your credit report, providing a more in-depth view of your credit history. This information includes the type of accounts you hold, when they were opened, your credit limit(s), and up to 24 months of your repayment history – including payments made on time.

If you make your repayments on time, your credit score will reflect your good payment behaviour. This means lenders may look at this information more favourably if you have requested credit. If you’ve had difficulty in the past making repayments on time, but are now back on track, this will be considered in your loan application and may impact your ability to obtain credit.

Find out more about comprehensive credit reporting.