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Your credit report will probably be requested from a credit reporting body by a credit provider when you:

  • Apply for a loan from a bank, credit union or finance company lender (e.g. a home loan, credit card, personal loan or an overdraft facility)
  • Apply for a store card (e.g. when you buy a TV on interest-free finance)
  • Apply for a car loan
  • Buy a mobile phone on a mobile plan
  • Sign up for a home utility account

Lenders like banks, credit unions and finance companies, and phone or utility providers will almost always use your credit report when you take out a loan or first sign up with them.

You can read more about how we exchange information with credit reporting bodies in our Privacy Policy.