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What is Comprehensive Credit Reporting?

Comprehensive Credit Reporting (CCR), commenced in 2014. It changed the level of credit information that can be held in your credit report. Previously, personal credit reports only held negative information like credit defaults and enquiries. CCR includes positive credit information, such as:

  • Account open and close dates
  • Type of credit account such as personal loan or credit card
  • Credit limit – the maximum amount available to you for an account
  • Monthly repayment history on credit accounts such as mortgages or credit cards.

This positive information could positively influence your credit score and hence your credit worthiness in the eyes of the lender.

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