Credit Reporting Bodies
If you apply for or take out a credit product with us either as a borrower or guarantor, we may disclose your personal information to, or collect your personal information from a third party such as Equifax Australia and/or Illion, each of whom is a Credit Reporting Body (CRB). We use information that we collect to assess your credit worthiness or continue to provide you with credit services.
Examples of personal information we may collect from, or disclose to a CRB include:
- default information if you fail to meet consumer credit payment obligations.
- information about your payment of outstanding defaults; and
- details of serious credit infringements committed under a consumer credit product.
These CRBs may provide the personal information we supply to them to other lenders, to assist the other lenders assess an individual’s credit worthiness.
You may contact the relevant CRB to obtain its policy on how it manages your credit-related personal information using the contact details below:
Equifax Australia Commercial Services and Solutions Limited
Phone: 1300 850 211
Mail: PO Box 964, North Sydney NSW 2059, Australia
Illion Pty Ltd
Phone: 1300 734 806
Mail: PO Box 7405, St Kilda Rd VIC 3004, Australia
Disclosing credit related information offshore
We will take reasonable steps to not disclose credit information or credit eligibility information offshore.
If you believe on reasonable grounds that you have been or are likely to be a victim of fraud, you may request a CRB not to use or disclose credit reporting information about you. You may also request that a CRB not use your credit reporting information for the purposes of pre-screening of direct marketing by a credit provider.
Accessing and editing credit related personal information
You may request access to, and seek the correction of, the credit-related personal information that we hold about you.
Complaints or further information
If you have a complaint about how we handle your credit-related personal information under the Privacy Act or the CR Code, would like to know how we handle complaints, would like further information or a hard copy of our Credit Reporting Policy, or would like a copy of this Statement of Notifiable Matters in an alternative form (such as a hard copy), you may contact our Privacy Officer at:
Phone: 1800 324 909
Address: Level 5, 447 Collins Street, Melbourne Victoria 3000