Australia Privacy (Credit Reporting) Code 2025 20(14): Destroy default information on request where the provider is statute-barred from recovering the overdue payment

Other controls in Schedule 2 Division 6: Access to, and correction of, credit information – Australia Privacy (Credit Reporting) Code 2025

19(10)-(15) Give the broadest-information credit rating, offer alternative ratings free quarterly, highlight the free right alongside third-party score services, explain when no rating can be derived, present ratings in at least five described bands with the explanation statement, and review its assumptions annually
19(16)-(17) On access show repayment history and hardship information only in the provider's codes (or graphics and explanatory aids), with the standard variation and arrangement statements, and explain that hardship information is excluded from the score
19(2)-(3) Verify identity and entitlement before giving access, and tell individuals how to get their information from other bodies with a non-website request channel
19(4)-(7) Give free access after a refusal within 90 days or a correction decision and once every 3 months, provide all credit information, derived information and the credit rating clearly with explanations, and make the free service as findable as any fee-based one
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
20(15)-(17) Notify the correction decision within 5 business days with the corrected information and free access rights, and notify prior recipients of corrections within 7 business days with revised derived information
20(2)-(3) A non-participating provider receiving a correction request about information it does not hold may comply by consulting to find the holder and giving a written explanation, referral and complaint rights within 30 days
20(4)-(5) Send consultation requests within 5 business days with the correction deadline, respond at least 5 business days before it or explain the delay, and seek the individual's agreement to any extension with complaint options

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