Frequently Asked Questions

Heritage will share additional credit information about customers with credit reporting bodies as part of the Comprehensive Credit Reporting (CCR) changes. Previously, your credit report may have included only ‘negative’ data such as the date of your loan application, any defaults on your loan or bankruptcies. With CCR your credit report includes additional, ‘positive’ information like when you opened and closed a credit account, account type, credit limits you have and up to 24 months of repayment history.