Section 6N — Privacy Act 1988: Meaning of credit information

Credit information about an individual is personal information (other than sensitive information) that is: (a) identification information about the individual; or (b) consumer credit liability information about the individual; or (c) repayment history information about the individual; or (ca) financial hardship information about the individual; or (d) a statement that an information request has been made in relation to the individual by a credit provider, mortgage insurer or trade insurer; or (e) the type of consumer credit or commercial credit, and the amount of credit, sought in an application: (i) that has been made by the individual to a credit provider; and (ii) in connection with which the provider has made an information request in relation to the individual; or (f) default information about the individual; or (g) payment information about the individual; or (h) new arrangement information about the individual; or (i) court proceedings information about the individual; or (j) personal insolvency information about the individual; or (k) publicly available information about the individual: (i) that relates to the individual’s activities in Australia or the external Territories and the individual’s credit worthiness; and (ii) that is not court proceedings information about the individual or information about the individual that is entered or recorded on the National Personal Insolvency Index; or (l) the opinion of a credit provider that the individual has committed, in circumstances specified by the provider, a serious credit infringement in relation to consumer credit provided by the provider to the individual.