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本帖最后由 ice4x 于 2018-4-9 13:02 编辑
今天收到BOM的一封信，
大致内容就是从现在起开始记录所有credit信息，比原来多了更全面的信用使用情况，比如前两年的还款记录，账号的建立时间，而原来只记录信用查询和不良信用记录。
因为最近在看房，隐瞒了一部分贷款，那这样是不是再贷款的时候，贷款银行就能看到隐藏部分？但是搜了一下论坛，发现14年就要实施这个政策，但是不知道后来实施了没有。
https://www.oursteps.com.au/bbs/ ... read&tid=823486
详细内容如下：
We want to update you on a proposed legislative change that may affect you.
The Australian Government has proposed a change that mandates Comprehensive Credit Reporting (CCR) from 1 July 2018.
Also known as positive credit reporting, the proposed CCR legislation mandates the reporting of positive, as well as negative, credit history - from Australia's largest financial institutions.
What this means for you
Today your credit history includes credit enquiries (applications for consumer credit and credit contracts) and negative information (significantly overdue accounts including defaults and serious credit infringements, and public record information).
The proposed change means that additional information, including account open dates, credit limits and up to 24 months of repayment history, will be supplied to our three credit reporting bodies for all open consumer credit accounts.
Protecting your credit history
It's important to know that from April 2018, we’ll record your comprehensive credit information to comply with the changed legislation and report this to the credit reporting bodies from 1 July 2018.
This means it's now as important as ever to pay your bills on time, and if you do, this will appear favourably on your credit report.
Setting up automatic payments, such as an Automatic Payment Plan, can take the hassle out of remembering to pay your bills on time and help you to keep your payments on track.
You can find out more about CCR at the Australian Retail Credit Association (ARCA) by visiting the CreditSmart website. |
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为了忘却的纪念 (2005-9-22) yarra 
发表于 2018-4-9 13:56
