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 identity 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


If you would like to obtain a copy of your Credit Report & Personal Information Report, download an application form here. Completed Credit Application forms can be emailed, along with suitable identification to [email protected]

Have you been a victim of Identity theft?

Identity theft is committed when someone steals your personal information, typically to use your details to open up new credit accounts, take out loans or access your bank accounts amongst other things.

Identity thieves have become more sophisticated in their methods. You may have fallen victim to a phone scam or email scam, had your wallet stolen, or your information may have been stolen through a data breach.

If you suspect your identity has been compromised, TCS can place a BAN on your credit report file for a period of 21 days. During this period, we will not disclose the contents of your credit report file.

You will need to complete our identity theft ban request form, and email the completed form, along with suitable identification to [email protected]

You may find this information from CreditSmart useful. The information is provided by ARCA (Australian Retail Credit Association) to help you understand how your credit choices affect the information that credit providers can access, and how you can access and control that information.