In #Australia the info on your #CreditReport is extensive (https://www.oaic.gov.au/privacy/your-privacy-rights/credit-reporting/information-on-your-credit-report)

And Credit providers can request this info.

A Credit provider can be:
* a bank
* an org that provides credit
* an org that provides deferred payment of 7 days or more
* an org that supplies credit for hiring leasing or renting of goods
* or a retailer that issues a credit card for the sale of goods and services.

I expect it would be easy for an org that relied on #CreditCard #AgeVerification to structure itself to fit one of these categories if it doesn't already. Therefore theoretically any company using your credit card as age verification could access:

* your full name
* your date of birth
* your sex
* your current (or last known) address and previous 2 addresses
* the name of your current (or last known) employer
your driver’s licence number
* the names of any credit providers that have provided you with consumer credit, and whether they are licenced by ASIC
* the type of consumer credit provided by those credit providers
* the day on which that consumer credit was made available to you and (if relevant) terminated
* the limit on that consumer credit
* certain terms and conditions of that consumer credit, including limited information about your repayment and interest obligations
* repayment history information, which is information about whether you have made a consumer credit payment on time, or whether you have missed a payment
* financial hardship information, which is reported against your repayment history information
* that a credit provider has requested access to information held in your consumer credit report in connection with an application that you have made to that credit provider for consumer or commercial credit (an information request, more commonly known as a credit enquiry)
* the type and amount of consumer or commercial credit that you sought in that application
* that you have defaulted on a consumer credit payment of $150 or more (this means that you are at least 60 days overdue in making the payment)
* a statement that you have since paid an amount that was recorded as default in your consumer credit report
* the fact that, as a result of a default, you have agreed to a variation in the terms and conditions of consumer credit, or you are provided with new consumer credit
* any court judgements made against you that relate to credit provided to, or applied for by, you
* certain information about you that is recorded on the National Personal Insolvency Index, including information that relates to bankruptcy and debt agreements.
* certain publicly available information that relates to your activities in Australia and your creditworthiness. A credit reporting body (CRB) can only collect this information where it is generally available to members of the public and where the CRB collects the information from an agency or a state or territory authority
* the opinion of a credit provider that you have committed a serious credit infringement.

Find out what kinds of data banks and other financial institutions collect about you and their intended use by diving into the series What Everybody Knows About You. ⬇️

https://lpi.org/ecr6

#LPI #financialdata #bankingdata #creditscore #SIN #taxpayer #creditreport #Equifax

"Công cụ FCRA tự động xử lý khiếu nại sai sót báo cáo tín dụng. Hiện đang gặp vấn đề về giao diện: hiển thị dữ liệu phức tạp, quá nhiều tùy chọn khiếu nại, và bảng điều khiển lộn xộn. Cần ý kiến cải thiện trải nghiệm người dùng. Bạn sẽ bắt đầu từ đâu? #FCRA #CreditReport #Fintech #UXDesign #CảiThiệnGiaoDiện #FintechVN"

https://www.reddit.com/r/SaaS/comments/1pi1veq/i_built_a_mailautomating_fcra_tool_what_would_you/

Your No Credit History Might Be Costing You More Than You Think

Financial responsibility becomes real for many young adults the moment they face their first rejection, whether it is a denied loan, phone plan, or apartment application.

These experiences highlight a key truth: earning money is only part of being financially responsible. The other part is being visible in the financial system that measures trust.

That visibility begins with a credit report, which records how an individual manages borrowing, payments, and obligations.

Inside it is the credit score, a number that reflects consistency in meeting commitments. Together, they determine how banks, employers, and service providers view reliability.

In the digital economy, credit has evolved into a measure of trust. Strong credit can lead to lower interest rates and faster approvals, while a poor or missing history can quietly block access to financial opportunities.

CIBI Information Inc., the country’s pioneering credit bureau, reports that awareness among younger Filipinos is growing.

“Every responsible action, no matter how small, can open doors,” said CIBI President and CEO Pia Arellano.

She explained that paying bills on time, managing credit wisely, and regularly checking reports help build a solid foundation for future goals such as car ownership, home financing, or business growth.

#2025 #CIBI #creditReport #events #Finance #latest #money #news #Philippines #Technology

🎯 How to Check for Active Loans Under Your Name: 5 Effective Methods
#CreditCheck #LoanFraud #PANCard #FinancialSecurity #CreditReport #PersonalFinance #LoanAwareness

https://todaynewsheadlines.com/how-to-check-active-loans-under-your-name-5-smart-ways/

Phew, who knew it could be that easy! Thanks #TransUnion!

Got a credit alert from Equifax because I [checks notes] paid off my monthly CC balance. Even though I froze my accounts, I decided to check all three agencies. Guess TU is.... expanding its service offerings. 😆

But seriously, like... wtf is this??

#CreditReport

Common #Errors People Find on Their #CreditReport (and How to Fix Them)

These #creditreporterrors are more common than you realize.

https://lifehacker.com/money/most-common-errors-on-credit-reports

How to get a free credit report in the UK, in order of increasing pain-in-the-bummery.

I had to do this as I was rejected at the affordability stage for a credit card which was totally unexpected and made me fret that something was amiss. 1/5

#creditreport #finance #credit