Document ID: chunk:federal_register_of_legislation:F2024C00882:reg:4c:p1
Version: federal_register_of_legislation:F2024C00882
Segment Type: reg
Provision Reference: reg 4C (pt 1/2)
Character Range: 40296–42931

4C  Meaning of credit reporting assistance

Providing assistance to debtors
 (1) A person provides credit reporting assistance to a consumer if, by dealing directly with the consumer or the consumer's agent in the course of, as part of, or incidentally to, a business carried on in this jurisdiction by the person or another person, the person:
 (a) suggests that the consumer apply for a change to information collected or held by a credit reporting body in relation to a credit contract for which the consumer is (or was) the debtor; or
 (b) assists the consumer to apply for a change to information collected or held by a credit reporting body in relation to a credit contract for which the consumer is (or was) the debtor; or
 (c) suggests that the consumer:
 (i) make a complaint or claim to the credit provider, the credit reporting body, AFCA, ASIC or the Information Commissioner, regarding information collected or held by a credit reporting body in relation to a credit contract for which the consumer is (or was) the debtor; or
 (ii) institute proceedings or take any other action regarding information collected or held by a credit reporting body in relation to a credit contract for which the consumer is (or was) the debtor; or
 (d) assists the consumer to:
 (i) make a complaint or claim to the credit provider, the credit reporting body, AFCA, ASIC or the Information Commissioner, regarding information collected or held by a credit reporting body in relation to a credit contract for which the consumer is (or was) the debtor; or
 (ii) institute proceedings or take any other action regarding information collected or held by a credit reporting body in relation to a credit contract for which the consumer is (or was) the debtor.
It does not matter whether the person does so on the person's own behalf or on behalf of another person.

Providing assistance to guarantors
 (2) A person provides credit reporting assistance to a consumer if, by dealing directly with the consumer or the consumer's agent in the course of, as part of, or incidentally to, a business carried on in this jurisdiction by the person or another person, the person:
 (a) suggests that the consumer apply for a change to information collected or held by a credit reporting body in relation to a guarantee for which the consumer is (or was) the guarantor; or
 (b) assists the consumer to apply for a change to information collected or held by a credit reporting body in relation to a guarantee for which the consumer is (or was) the guarantor; or
 (c) suggests that the consumer:
 (i) make a complaint or claim to the credit provider, the credit