Your Credit Report is your
Credit Story
Get a clear view of your borrowing and repayment history. See what lenders consider when you apply for credit and how each action shapes your financial record.
Your Credit Report At a Glance
A quick summary of the data used to build your report. Your report highlights your score, payment consistency, and any important records that reflect your financial behaviour.
1
Personal Profile & Finances
Includes your Demographic, Socio-Economic and Economic data which helps lenders know your background, income level, and living conditions.
2
Credit History & Behaviour
Includes data on your Repayment history helping lenders understand you’ve handled credit repayments. It looks at how consistent, punctual, and responsible you’ve been with loans.
3
Financial Integrity Records
Includes Dishonored Cheque and Judgement Debt data if any. This captures negative or high-risk events which speaks on your credibility as well as your creditworthiness.
What Your Credit Report Covers
Your credit report is built from different types of information, each offering a unique view of your financial life. Here's what you'll find inside, and why it matters.
Demographic Data
Demographic Data
Personal details such as age, gender, marital status, and family size that help position your profile against national demographic trends.
Credit Repayment History
Credit Repayment History
Your borrowing and repayment history, covering loan amounts, repayment percentages, arrears (NDIA), early payments, and account statuses.
Dishonored Cheques Data
Dishonored Cheques Data
Records of any cheques that were returned or bounced, including dates, reasons, amounts, and blacklist status if applicable.
Socio-Economic Data
Socio-Economic Data
Information about your living environment, employment type, income band, and access to social amenities providing context about your daily conditions.
Economic Data
Economic Data
Your bank balance indicators and salary-to-pension ratio, showing your financial strength and liquidity.
Judgement Debt Data
Judgement Debt Data
Official court-related financial cases tied to your name including filing dates, case reasons, judgment amounts, and case progression.
Benefits of Your Credit Report
Lenders, landlords, and even employers may refer to your report when making decisions.
A clear, well-maintained report can help you:
Secure loans more easily with better interest terms
Qualify for new financial services and credit products
Avoid surprises when applying for housing, jobs, or business financing
It’s also a form of protection.
Reviewing your report regularly helps you catch mistakes, detect fraud, and correct identity issues before they become bigger problems.
Your Habits Matter
Behind every report is a pattern of behaviour. Below are habits you can practice to help better your Credit Score for a better Credit Report.
Pay your loans on time and keep your repayment schedule consistent
Clear any bounced cheques or court-related debts as soon as they come up
Maintain steady income and ensure your identity information stays verified
Review your credit report regularly so you can spot and fix issues early
Take the First Step to New Financial Possibilities
Get started with myCredit Score and get access to better loan options by knowing your credit score and understanding your credit report.
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