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


(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.




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