When we’re checking your credit worthiness and at other times, we might share information about you with credit reporting bodies who may retain a record of that check.
When we give your information to a credit reporting body, it may be included in reports that the credit reporting body gives other organisations (such as other lenders) to help them assess your credit worthiness.
Some of the information that we give to credit reporting bodies may reflect adversely on your credit worthiness, for example, if you fail to make payments or if you commit a serious credit infringement (like obtaining credit by fraud). That sort of information may affect your ability to get credit from other lenders.
Your personal information may also be shared with credit reporting bodies or other approved third parties who are authorised to assess the validity of identification information. These checks help us verify whether your identity is real and are not a credit check.
As outlined above, when we’re checking your credit worthiness and at other times, we might collect information about you from and give it to one or more credit reporting bodies.
The contact details of the credit reporting bodies we use are outlined below.
Each credit reporting body has a credit reporting policy about how they handle your information.
You can obtain copies of these policies at their websites.
Dun & Bradstreet Australia www.checkyourcredit.com.au
Dun & Bradstreet’s credit reporting policy is set out at www.dnb.com.au/privacy-policy.html
Phone: 1300 734 806
Mail: Public Access Centre Dun & Bradstreet Australia, PO Box 7405 St Kilda Road VIC 3004
Experian Australia www.experian.com.au
Experian’s credit reporting policy is set out at www.experian.com.au/credit-services-privacy.html
Phone: 1300 783 684
Mail: Consumer Support Experian Australia, PO Box 1969, North Sydney NSW 2060
Equifax (previously known as Veda) www.mycreditfile.com.au
Equifax's credit reporting policy is set out at www.equifax.com.au/privacy.