Privacy Act 1988

PART II - INTERPRETATION  

Division 2 - Key definitions relating to credit reporting  

Subdivision B - Other definitions  

SECTION 6N  

6N   MEANING OF CREDIT INFORMATION  

Credit information about an individual is personal information (other than sensitive information) that is:

(a)    identification information about the individual; or

(b)    consumer credit liability information about the individual; or

(c)    repayment history information about the individual; or

(ca)    

financial hardship information about the individual; or

(d)    a statement that an information request has been made in relation to the individual by a credit provider, mortgage insurer or trade insurer; or

(e)    the type of consumer credit or commercial credit, and the amount of credit, sought in an application:

(i) that has been made by the individual to a credit provider; and

(ii) in connection with which the provider has made an information request in relation to the individual; or

(f)    default information about the individual; or

(g)    payment information about the individual; or

(h)    new arrangement information about the individual; or

(i)    court proceedings information about the individual; or

(j)    personal insolvency information about the individual; or

(k)    publicly available information about the individual:

(i) that relates to the individual ' s activities in Australia or the external Territories and the individual ' s credit worthiness; and

(ii) that is not court proceedings information about the individual or information about the individual that is entered or recorded on the National Personal Insolvency Index; or

(l)    the opinion of a credit provider that the individual has committed, in circumstances specified by the provider, a serious credit infringement in relation to consumer credit provided by the provider to the individual.