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1.5. Who can access your credit history?

The details on your credit report are protected by The Privacy Act (1988), which also outlines who, when and how your credit history can be accessed.

TIP: You can find out more about privacy and your credit history on the Office of the Australian Information Commissioner’s website.

Apart from you, there are four main types of organisations that can access your credit history under certain circumstances:

  1. Credit providers.
  2. Mortgage and trade insurers.
  3. Authorised agents acting on your behalf (such as a financial advisor).
  4. Organisations that deal with commercial credit-related activities and collect commercial credit debts.
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1.5. Who can access your credit history?

When you submit an application for a credit card, for example, part of the terms and conditions involves acknowledging that the provider will access your credit history and credit report.

INSIGHT: As well as loans, credit cards and other new accounts, applications for credit can also include any requests you make for a credit limit increase.