Risk Grade Matrix

Defaults (Paid or Unpaid)
0
1<$5k
3 <$15k
4 <$25k
5 <$50k
Unlimited
Mortgage Arrears
0
0
0
0
3<payments
Unlimited
Other Arrears
1 month paid within 7 days
1 month
1 month
2 months
2 or $50k
Unlimited
Bankruptcy
None
None
>12 months
>12 months
>12 months
>6 months
Credit Enquiries
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Unlimited
Telco / Utility Defaults Ignored
2<$1k aggregate
2<$1k aggregate
2<$1k aggregate
2<$1k aggregate
5 <$50k aggregate
Unlimited
Defaults paid > 2 years <$5k ignored
None
Yes
Yes
Yes
No
Unlimited
Minimum ABN Registration
24 months
24 months
24 months
12 months
12 months
12 months