Site Changes

On 1 November 2010 the Office of the Privacy Commissioner was integrated into the Office of the Australian Information Commissioner and a new website established at www.oaic.gov.au.

Note 1: Major changes to the Privacy Act 1988 will come into effect in March 2014. Agencies, businesses and not for profits need to start preparing for these changes. For more information go to our privacy law reform page at www.oaic.gov.au
Note 2: From 12 March 2013 content is no longer being added to, or amended, on this site, consequently some information may be out of date. For new privacy content visit the www.oaic.gov.au website.

When can a default be listed on my credit file?

Credit

A credit provider may only list a default on your file if 60 days has elapsed since the day on which the payment was due and payable and if the credit provider has taken steps to recover all or part of the amount outstanding.

The credit provider must also have written to you at your last known address and advised you of the overdue payment and requested payment of the amount outstanding.