comply with written policies and procedures for your employees, agents and contractors when using our consumer credit information services, so that all of these people comply with your obligations to use these services; Personal information/identities – make sure your name and personal data are correct. The address details indicate the address you lived to when you last applied, which may not always be your current address. Let us know if there are any administrative errors such as a false date of birth or the wrong spelling of your name or address. d. As with our other credit reporting services we offer, every time you use ID Plus, your access will be recorded. If you are applying for ID Plus, you must give us your organization`s goal for using ID Plus and you can only use ID Plus for that purpose. Each time you use Identity Plus, you must obtain the explicit consent of the person you are viewing. What can be collected in a credit report is strictly regulated by the Privacy Act 1988 (Cth). We charge the evaluation based on private and public information collected by credit providers and other agencies (e.g. B repayment stories, legal proceedings relating to debit and credit payments, insolvency and ASIC datasets). Serious breaches of consumer credit remain on a credit report for seven years from the date of the list. However, if they have been paid, they return to default and remain in the credit report for five years.
The fact that an amount has become overdue and then paid remains a part of your credit history. ii. be able to determine which of your users has used our consumer credit reporting service every time someone uses it; Note: This section 3 applies when you use our consumer credit information services. Our consumer credit reporting services are services for which we provide you with personal credit information. If you do not use our consumer credit information services, this section 3 does not apply to you. These services are governed by a code established by the Privacy Act 1993, which is called the 2004 Credit Reporting Code (the Code).