Submission to an upcoming review of the Privacy (Credit Reporting) Code 2014 (Version 2.1)(CR Code). The submission addresses: The readability and accessibility of code as a whole, Independent Code Governance, individual vs account-based reporting, simplifying the corrections/complaints process, correcting or backdating repayment history information, timely disclosure of negative RHI to customers, flexibility for credit providers to notlist or to remove negative information on reports
when the customer is vulnerable, use of consumer credit liability information by debt collectors, economic abuse considerations throughout the CR Code, and current or future use of CCR by unlicensed credit providers or service providers not covered by the NCCP.
