Frequently Asked Questions

What does financial hardship look like in my credit report?

If you've missed one, or multiple loan repayments, this will show on your credit report. Your credit report is updated with your repayment history monthly. Any missed repayments will show on your credit report for 24 months after they are reported. 

If you have an approved financial hardship arrangement, your credit report will show the type of arrangement you have with us. This could be a temporary arrangement or a variation to your loan. Your credit report will not include the reason for the hardship arrangement, or any further details of our arrangement.

The arrangement will be shown as a simple letter code ('A' or 'V') next to your repayment history. This will show for a maximum of 12 months after the end of the agreement.
  • Letter code 'A' refers to a temporary hardship arrangement. This is a type of short-term relief or deferral of your credit obligations. This gets reported each month that the financial hardship is in place. 
  • Letter code 'V' refers to a variation financial hardship arrangement. This is a permanent variation to the terms of a credit agreement, such as capitalising your arrears after being in a temporary hardship arrangement. This gets reported once, in the month that the permanent variation took place.
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