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Who can view my bankruptcy status?
Your name will appear on a publicly accessible register called the National Personal Insolvency Index (NPII). The NPII shows details of insolvency proceedings in Australia, including bankruptcy. Many of these records will remain on the NPII permanently.
Some other information that may appear on the register includes:
- name, date of birth, residential address and occupation that you disclose on your application
- any previous names and aliases, if known
- type of proceeding, start date and the AFSA administration number
- name and registration number of the trustee or administrator of the proceeding
- current status of the proceeding – for example, whether you're discharged from bankruptcy.
If your safety is at risk, you can request to hide your address or other details on the NPII. We cannot hide your name or date of birth.
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?
To obtain your credit report or address concerns about its contents, contact a credit reporting agency directly.