When you apply for a loan or credit, credit providers such as banks and lenders will check your credit report. Your credit report documents your credit history, including how many times you’ve applied for credit and which loans were opened, as well as your history of making repayments, any defaults, and how much debt you currently have available.
If you have any questions about the Comprehensive Credit Reporting regime, and how we handle your personal information, you can contact us using the contact details below:
PO Box 8609, Perth BC WA 6849
Tel: 13 25 77 (Monday to Friday 8am - 6pm, Saturday 9am - 5pm, WST)
Email: [email protected]
If you believe that you won’t be able to make a repayment with us (for example - because you’re sick, have an accident or lose your job), please contact us on 13 25 77 or contact your local branch so we can assess your situation.
For more information, please see our “Financial Hardship” tab on our frequently asked questions page.
If a late payment on your loan or credit card is received within 14 days of the due date, it may not appear on your credit report. However, late fees may still apply, and any interest free periods may be affected.
If your payment is received more than 14 days after the due date, your credit report may record that it was late. The good news is that even if you miss one payment, your credit report will also show all payments made on time to create a more holistic view of your repayment behaviour.
This change has been mandated by the Australian Securities and Investment Commission and your information is, at all times, protected by the Privacy Act 1988 and the Privacy Amendment (Enhancing Privacy Protection) Act 2012. P&N will be sharing comprehensive credit information with other banks and lenders. The big four banks are currently participating, with other financial institutions progressively coming on board.
You can find the credit reporting bodies we use on our website at pnbank.com.au/ccr.
Utilities providers are not currently participating in CCR, but may in the future. “Buy now, pay later” providers such as Afterpay and Zip Pay are not participating in the scheme.
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