This joint consumer submission responds to a consultation paper from the Australian Retail Credit Association on variations to the Credit Reporting (CR) Code. There are many CR Code variations that we support and are pleased to see the implementation process begin. While this submission did not respond to all of the consultation questions we did have views on the following proposals: Proposal 6: Accommodating other entities reporting CCLI; Proposal 19: Introduce positive obligations related to statute barred debts; Proposal 24: Notification obligations; Proposal 31: Require a CRB to record and alert an individual of access requests during a ban period; Proposal 37: Enable correction of multiple instances of incorrect information stemming from one event; and Proposals 39-41: Amend the mechanism for corrections due to circumstances beyond the individual’s control.
