If a credit provider or credit-reporting body misuses the information in a credit report, they can be fined a significant amount (div 3, sub-div D PA 1988; CR Code). Credit providers cannot use the information in credit reports to market products and services (CR Code). It is an offence for a credit-reporting body to use or disclose credit-reporting information that is ‘false or misleading in a material particular’ (s 20P PA 1988).
Managing your money
Dealing with social security
- Key legislation related to social security
- Allowances and payments
- Compulsory income management
- Concession cards
- International pension agreements
- Compensation and damages payments
- Income tax and Centrelink payments
- Social security appeals
- More information about dealing with social security
- Dealing with social security: Contacts
Are you in debt?
- Introduction to debt
- Credit reporting and privacy protection
- Queries about your credit report
- Contact from the creditor to try to make you pay
- Statute-barred debts
- Your rights and options
- If you are sued
- Defences if you are sued
- Applying for a rehearing
- Enforcement of court orders
- Services that can help with debt
- What is bankruptcy?
- Who can be made bankrupt?
- Who administers the bankruptcy law?
- What happens to a bankrupt’s property?
- What happens to a bankrupt’s income?
- The effect of bankruptcy on debts
- Leaving Australia
- Criminal offences under the Bankruptcy Act
- The process of going bankrupt
- When does bankruptcy end?
- Other procedures under the Bankruptcy Act
- Understanding bankruptcy: Contacts
Financial counselling services
- Introduction to taxation
- How is your income tax liability determined?
- Taxpayer’s responsibilities and your tax file number
- Tax returns
- Assessment of your tax return
- Queries: Private rulings and oral rulings
- Penalties, interest charges and offences relating to tax returns
- Taxation objections, reviews and appeals
- Paying your tax
- Fringe Benefits Tax
- Goods and Services Tax
- State duties and taxes
- Taxation: Contacts
Understanding credit and finance
Mortgages, consumer leases and other finance products
- Credit reporting: Contacts
- Introduction to credit reporting
- Credit report regulation
- Who can add information to a credit report?
- What information is in a credit report?
- Misuse of information in credit reports
- Identity theft and credit reporting
- Correcting credit reports and complaints
- Getting a copy of your credit report
Senior Lawyer, Victoria Legal Aid