Identification information (such as your name, address, date of birth, current and previous addresses, current or last known employer).Only certain information can be listed on your credit report. What information can be put on my credit report?
Electricity, gas, water phone and internet companies can all list information on your credit report. Who can list information on my credit report?Ĭreditors include banks and finance companies or other businesses which provide credit or goods and services at least 7 days before you have to pay for them. The Office of the Australian Information Commissioner ( the Commissioner) has responsibility for ensuring these laws are followed. The Credit Reporting Privacy Code sets out the ways that this information is listed on your credit report. The Privacy Act 1988 (Cth) set out the law in relation to information held about you on your credit report. To get a free copy of your credit report within 90 days of having an application for credit rejected įor more information see: Credit reporting – getting a free copy of your credit report What laws apply?.A credit reporting body cannot charge for this, unless you obtained a copy of your credit report from them in the previous 3 months To get a free copy of your credit report once every 3 months.There are a number of ways to find out what is in your credit report. Credit reporting bodies include: Equifax, Illion and Experian. How can I find out what is in my credit report?Ĭredit reporting bodies create and hold credit reports. The Privacy Act 1988 (Cth) states that you have the right to obtain a correction on your credit report for any inaccurate, out-of-date, incomplete, irrelevant or misleading information. For more information see Ĭan I have mistakes corrected in my credit report? Significant changes to the information that can be contained on your credit report occurred on 12 March 2014.You have a right to have inaccurate information on your credit report corrected free of charge.
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