Australia Privacy (Credit Reporting) Code 2025 19(8)-(9): Credit providers must give accessible access to credit eligibility information, ordinarily within 30 days, with explanations and a prompt to check the bodies' information; derived information may be given without revealing methods

For section 21T of the Act a credit provider must take reasonable steps to provide an accessible means for an individual to obtain their credit eligibility information, should provide access within 30 days unless unusual circumstances apply, must present the information clearly and accessibly with reasonable explanations and summaries of its impact on credit worthiness, and must advise the individual to also request their credit reporting information from the bodies for the most up to date picture and how to do so. When derived information is provided by a body or a provider it may be given in a way that protects the confidentiality of the methodology, analytics and programs that produced it.