Commonwealth Consolidated Acts

PRIVACY ACT 1988 - SECT 6N

    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.