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Comprehensive credit reporting

In March 2014 we updated our Privacy Policy and Credit Reporting Policy to comply with the Privacy Act changes. These changes allow us to disclose Comprehensive Credit Reporting (CCR) data. This includes the following credit related information, to your credit report:

  • Information about your current consumer credit accounts with us. Such as the type of credit, the credit limit, open and close date of the account(s);
  • Information about whether your monthly repayments have been paid on time (allowing a 14-day grace period).

We have commenced sharing credit related information with credit reporting body/ies (CRBs). We are initially sharing this credit related information with Equifax. We may also disclose your credit related information to other CRBs. This information may not be immediately visible on your credit report. It depends on when payments are due, when your account opened or closed, and when we send the information to the CRB.

In addition to sharing your credit related information, we will also be using CCR data to assess credit applications. CCR enables credit providers to obtain a more comprehensive view of your financial position. Helping us to lend more responsibly and fairly.

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Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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