My credit file

Your credit information file can contain the following sections of information:

Section 1 Basic Information Section
In addition to your name it can include your address, two previous addresses, date of birth, employer and drivers licence number – information necessary to you as permitted by the Privacy Act 1988

Section 2 Consumer Record Section
Enquires: These are a record of any company that has accessed this section of the file. Most commonly credit providers will access your file when assessing an application for credit. Access is generally only permitted when assessing Consumer Credit, i.e. credit sought primarily for domestic purposes.

TCS Defaults: Entries in this section list any overdue accounts that have been listed with the TCS credit bureau. Entries in this section relate only to Consumer Credit. The file will indicate whether the matter has been paid or settled, or remains outstanding. Paid defaults will also indicate the date and also the basis on which they were paid.

These codes are as follows:
PD Paid
PDD Paid on Demand
PDS Paid on Summons
PDJ Paid on Judgment
PDW Paid on Warrant
PDG Paid on Garnishee
BR Account included in bankruptcy

Section 3 Commercial Record Section
This section contains enquires and defaults of a commercial nature (ie not for domestic or household purposes).

Section 4 Public Record Section
Proprietorships; Directorships: Changes to proprietorships and new proprietorships are included in this area. This information is obtained from the Business Names office.

Other Legal Actions: This segment lists legal actions commenced against the subject for debt. This information is obtained from the Magistrates Court and Supreme Courts of Tasmania.

It is important to note that an action in this category indicates that legal action has been commenced, and that the matters may have been paid since recorded or are possibly disputed or defended. It is not TCS policy to note this segment when these matters are paid.

General Information
Retention of Information: Tasmanian Collection Service complies with the Privacy Act 1988 and Code of Conduct issued by the Office of the Privacy Commissioner in relation to the retention of information. Retention periods are calculated from the date of lodgement on the TCS file.

Information is kept on file for the following periods:

  • Bankruptcy Information 5 years
  • Other defaults (Public Record) 3 years
  • All other information 5 years

Further queries may be directed to Tasmanian Collection Service, 29 Argyle Street Hobart

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You can download more information on a credit report file here.