Credit reportng Policy

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Effective from 12 March 2024.

This information applies to the Vigeo entities listed at the end of this statement.

This statement sets out important information about credit reporting that is relevant to you if:

you are an individual applying for credit, or an individual who holds a credit product, from any of the Vigeo Companies described at the end of this statement (collectively referred to in this statement as "we"/"us"); or  

we deal with you in connection with credit applied for by, or provided to, another customer – for example, if you are a guarantor or proposed guarantor for that credit.  

We May Disclose your Personal Information to Credit Reporting Bodies:

We may disclose personal information about you in connection with your credit-related dealings with us to credit reporting bodies. Those credit reporting bodies may include that information in reports that they provide to other credit providers to assist them in assessing your creditworthiness.

For example, if you fail to meet your payment obligations to us in relation to consumer credit, if you commit a serious credit infringement in relation to consumer credit provided by us, or if you enter into a financial hardship arrangement, we may be entitled to disclose this information to credit reporting bodies.

We Disclose Information to the following Credit Reporting Bodies:

illion Australia Pty Ltd  

Website: www.checkyourcredit.com.au  

Postal address: illion Public Access Centre,  

PO Box 7405, St Kilda Road, Melbourne, VIC 3004  

Equifax Australia  

Website: www.equifax.com.au  

Postal address: PO Box 964, North Sydney, NSW 2059  

Experian Australia Credit Services Pty Ltd  

Website: www.experian.com.au  

Postal address: PO Box 1969, North Sydney, NSW 2060  

These credit reporting bodies are each required to have a policy which explains how they will manage your credit-related personal information. To view the policy of any of these credit reporting bodies, please visit the relevant credit reporting body's website and follow the "Privacy" links, or you can contact them directly for further information.

Excluding your Credit Reporting Information from Direct Marketing Pre-Screening:

You have the right to request that a credit reporting body exclude your credit reporting information from being used by them in connection with pre-screening for direct marketing requested by a credit provider. You should contact each relevant credit reporting body directly if you wish to request this.

Protecting your Credit Reporting Information if you are a Victim of Fraud:

You have the right to request that a credit reporting body not use or disclose your credit reporting information if you believe that you have been, or are likely to be, the victim of fraud (for example, if you suspect that someone is using your identity details to apply for credit). You should contact each relevant credit reporting body directly if you wish to request this.

Accessing or Correcting your Personal Information or Making a Privacy Complaint:

You have the right to request access to, or correction of, personal information that we hold about you, including credit-related information. You also have the right to make a complaint if you consider that we have not complied with the Privacy Act in relation to our management of this information. Our Privacy and Credit Reporting Policy (please see below) sets out how you can make such requests or complaints and how we will deal with them.

For details about how we manage personal information (including credit reporting information) that we hold about you, please see our Privacy and Credit Reporting policy. Our Privacy and Credit Reporting Policy also contains contact information where you can request our ‘Statement of Notifiable Matters’ and our Privacy and Credit Reporting Policy to be sent to you in any alternate form.

For more information about Credit Reporting, go to www.creditsmart.org.au

Credit Eligibility Information - this information relates primarily to your credit-related dealings with other credit providers. Credit eligibility information generally comprises of:

• Credit reporting information provided by credit reporting bodies; and
• Credit worthiness information that we derive using credit information.