Who will know I’m bankrupt?
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Your name will appear permanently on a public register called the National Personal Insolvency Index (NPII). The NPII shows details of insolvency proceedings in Australia, including bankruptcy.
Some other information that may appear on the register are:
- Name, date of birth, residential address and occupation that you disclose on your application.
- Any previous names and aliases, if known.
- The type of proceeding, the start date and the AFSA administration number.
- The name and contact details of the trustee or administrator of the proceeding.
- The current status of the proceeding e.g. whether you're discharged from bankruptcy.
For requests to hide details on the NPII see: Can I hide my details that appear on the NPII?
How is my credit file affected?
Credit reporting agencies keep a record of your bankruptcy for:
- 5 years from the date you became bankrupt or
- 2 years from when your bankruptcy ends, whichever is later.
Details of credit reporting agencies are available on ASIC's MoneySmart.
How do I get a copy of my credit report?
You need to contact a credit reporting agency. If you have any concerns about the information on your credit report, please refer to the credit reporting agency.