Frequently Asked Questions

What is Comprehensive Credit Reporting?

Heritage will be sharing 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.
More help

Know what's in your credit report
Comprehensive Credit Reporting has arrived in Australia. Learn more about what this means for you and how you can get a free credit check.
Extra Repayment Calculator
Calculate how much you could be saving in interest or whether you can shorten your loan term by making additional repayments over and above your current monthly repayment.