Document ID: chunk:federal_register_of_legislation:F2024L01251:clause:2_19:p2
Version: federal_register_of_legislation:F2024L01251
Segment Type: clause
Provision Reference: sch 2 cl 19 (pt 2/6)
Character Range: 93062–95921

access has been made in the previous 3 months.

Requirements for free access services offered by credit reporting bodies
 (6) Where a credit reporting body provides credit reporting information to an access seeker free of charge as required by the Act, the Regulations or this CR Code:
 (a) the body must provide the access seeker with access to:
 (i) all credit information in relation to the individual currently held in the databases that the body utilises for the purposes of making disclosures permitted under Part IIIA of the Act;
 (ii) all current CRB derived information about the individual that is available; and
 (iii) the individual's credit rating as set out in this section;
 (b) the body must present the information clearly and accessibly and provide reasonable explanation and summaries of the information to assist the access seeker to understand the impact of the information on the individual's credit worthiness;

 (c) the body may only provide the access seeker with a direct marketing communication where the access seeker has provided his or her consent to receipt of this communication by opting in to providing this consent; a pre-ticked consent box does not constitute opting in; and
 (d) if the access seeker has requested a physical copy of the information, the body must provide the information in that form.

Requirements for fee-based services offered by credit reporting bodies
 (7) If a credit reporting body has a service whereby an individual (whether personally or through another access seeker) may for a fee obtain their credit reporting information (a fee-based service):
 (a) the information made available by the credit reporting body about the fee-based service must prominently state that individuals have a right to obtain their credit reporting information, including their credit rating, free of charge in the following circumstances:
 (i) if the access request relates to a credit provider's decision to refuse the individual's consumer credit application; and
 (ii) if the access request relates to a decision by a body or provider to correct credit reporting information or credit eligibility information about the individual; and
 (iii) in addition to the access described in subparagraphs (i) and (ii), once every 3 months; and
 (b) the credit reporting body must take reasonable steps to ensure that its service through which individuals may obtain their credit reporting information free of charge is as available and easy to identify and access as its fee-based service; and
 (c) if the individual (either personally or through another access seeker) requests a physical copy of the information through the fee-based service, the credit reporting body must provide the information in that form.

Access to credit eligibility information
 (8) For the purposes of section 21T of the Act, a credit provider: