Commonwealth Consolidated Acts Commonwealth Consolidated Acts(1) A credit reporting agency in possession or control of an individual's credit information file must take reasonable steps to ensure that the individual can obtain access to that file.
(2) A credit provider, or a credit reporting agency, in possession or control of a credit report containing personal information concerning an individual must take all reasonable steps to ensure that the individual can obtain access to that report.
(3) An individual's rights of access under this section may also be exercised by a person (other than a credit provider, mortgage insurer or trade insurer) authorised, in writing, by the individual to exercise those rights on the individual's behalf in connection with:
(a) an application, or a proposed application, by the individual for a loan; or
(b) the individual having sought advice in relation to a loan.
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