Hi Daniel,

My understanding of the credit file is that it is a record of the past 5 years of credit activity or defaults. As you have been OS for those five years your file is no longer there. Good news if there were defaults but not so good from the point of view that you don’t have a “good” credit history either.

When I see a that there is no file on someone residing in Australia it says to me that they are at least careful about taking on debts.

Hope this helps

Rod