Credit Reporting Policy

Information that we collect

Credit information relates primarily to your credit related dealings with us and covers various types of information that can be collected by Credit Reporting Bodies (CRB) that report on consumer credit worthiness.

What credit information do we collect and hold?

Credit information includes:

  • identification information
  • basic information about your credit account
  • details about information requests we made about you to CRBs
  • information about certain overdue payments and serious credit infringements and information about payments or subsequent arrangements in relation to either of these and
  • various publicly available information such as bankruptcy and credit related Court judgments.

Crazy Cat VA may collect information about you in any of the circumstances relating to personal information as outlined in our Privacy Policy. Credit eligibility information is information equivalent to the kinds listed above that we generally collect from CRBs. This information relates primarily to your dealings with other credit providers. It may also include certain credit worthiness information that we derive from the data that we receive from a CRB. Sometimes we may also collect credit eligibility from other credit providers.

How do we collect and store your credit information?

Crazy Cat VA may be required to obtain your credit information from a CRB, such as Equifax, Creditor Watch or Dunn & Bradstreet or similar. Their contact details are as follows:

Equifax Pty Ltd
PO Box 964
North Sydney, New South Wales 2059
W: www.equifax.com.au
T: 13 83 32

CreditorWatch
13/109 Pitt Street
Sydney, New South Wales 2000
W: www.creditorwatch.com.au
T: 1300 501 312

Dun & Bradstreet
20/201 Elizabeth Street
Sydney, New South Wales 2001
W: www.dnb.com.au
T: 13 23 33

Your Personal Information is stored in a manner that reasonably protects it from misuse and loss and from authorised access, modification or disclosure.

How we use and disclose your credit information and credit eligibility information

Crazy Cat VA may disclose your credit information to CRBs. Those CRBs may then include that information in credit reporting information that they provide to other credit providers to assist them to assess your credit worthiness. Crazy Cat VA may also use your credit information for other purposes and in circumstances described in our Privacy Policy, when permitted to do so.

Crazy Cat VA’s use and disclosure of credit eligibility information is regulated by Part IIIA of the Privacy Act 1988 (Cth) (“the Act”) and the Privacy (Credit Reporting) Code 2014 (“CR Code”).

Crazy Cat VA will only use or disclose such information for purposes permitted by these laws, such as:

  • processing credit-related applications and managing credit that Crazy Cat VA provides
  • assisting you to avoid defaults
  • collecting amounts you may owe Crazy Cat VA in relation to such credit and dealing with serious credit infringements
  • assigning our debts
  • participating in the credit reporting system
  • dealing with complaints or regulatory matters relating to credit or credit reporting and
  • as required or authorised by another law.

Access to your information

If you wish to access or correct errors in any of your credit information or credit eligibility information that Crazy Cat VA holds, please contact us by using the contact details set out in our Privacy Policy or set out in the Contact section of our website (www.crazycatva.com.au).

Crazy Cat VA may apply an administrative charge for providing access to your credit eligibility information, depending on the request.

Complaints

If you think Crazy Cat VA has not complied with Part IIIA of the Act or with the CR Code, you can make a complaint by using the contact details set out in our Privacy Policy or via the Contact section of our website.

We will acknowledge your complaint in writing as soon as reasonably practicable. Crazy Cat VA aims to investigate and resolve your complaint by providing a written response within 30 days of receipt of that complaint.

Crazy Cat VA may need to consult with a CRB or another credit provider to investigate your complaint. While Crazy Cat VA hopes to be able to resolve any complaint without needing to involve third parties, if you are not satisfied with the outcome of your complaint, you can make a complaint to the Office of the Australian Information Commissioner (www.oaic.gov.au).