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.
Sourced from the Federal Register of Legislation at 17 May 2026. For the latest information on Australian Government law please go to https://www.legislation.gov.au. Verify the current text against the official source before relying on it.
BriefBridge searches Australian caselaw by meaning — every answer cited to the paragraph.
Try BriefBridge free