Call for obligation-free advice 1300 060 122

Your credit record and bankruptcy

Credit record

If you enter into bankruptcy or debt agreement, it will be noted on your credit record and these entries normally last for five years.

It will also be recorded on the National Personal Insolvency Index (NPII), a permanent public record maintained by the Australian Financial Security Authority (AFSA). Conducting a search on the NPII for a personal name costs $15.

Your credit record includes information such as your personal details, credit applications, credit defaults and judgments, and other relevant data.

Credit records are maintained by companies, not the government. You can access your record report from these sites: and

For information on credit reports, we recommend

For more information call us on 1300 060 122 or email

Bankruptcy Information

Alan Nicholls - Registered Trustee

Alan Nicholls’ no obligation help desk

Nicholls & Co provide a free, no obligation ‘help desk’ for people considering bankruptcy – we discuss and explain bankruptcy and answer questions for anyone who is considering bankruptcy. The Nicholls & Co help desk can be accessed by phone  
1300 060 122  or . Alan Nicholls, Registered Trustee in Bankruptcy is also available to answer your questions to enable you to decide if bankruptcy is right for you.