Commonwealth Consolidated Acts

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PRIVACY ACT 1988 - SECT 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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