This is a joint consumer submission to the PwC Review of the Credit Reporting Code by the Financial Rights Legal Centre in consultation with the Australian Communications Consumer Action Network (ACCAN), the Australian Privacy Foundation (APF), the Consumer Action Law Centre (CALC), the Consumer Credit Legal Service (WA) (CCLSWA) and Financial Counselling Australia (FCA).
The submission addresses key issues of concern to consumers including: Repayment History Information and financial hardship; the need for independent code governance; the inclusion of credit scores on free credit reports; the ongoing problems with accessing free credit reports and marketing and a raft of other issues.
