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Bankrutpcy and your Credit Record

If you enter into Bankruptcy or a Debt Agreement, it will be recorded on your credit record. Entries on your credit record will normally last for 5 years. Your credit record includes your personal details, credit applications, credit defaults, judgements etc.

Credit records are maintained by companies and not the government. Sites you can access your record report from are:

www.veda.com.au

www.checkyourcredit.com.au

For information on credit reports we recommend www.moneysmart.gov.au

If you enter into Bankruptcy or a Debt Agreement it will also be recorded on the National Personal Insolvency Index (NPII) which is a permanent public record maintained by the Australian Financial Security Authority (AFSA).  To conduct a search on the NPII for a personal name a fee of $15 is charged by the government.

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Alan Nicholls Bankruptcy Advice

Alan Nicholls specialises in assisting those in financial difficulty through the process of understanding & filing for bankruptcy. For more details see the contact information below: