To assist you in developing and understanding a complete picture of your credit history (as a consumer, business owner, director or sole trader) D&B provides in depth and accurate information.

As a credit information provider, D&B collect information about you and your credit history from both public records and creditors. Where you have been advised, or where necessary provided your consent, this information is then made available to your current and prospective creditors. This enables them to gain a comprehensive and clear picture of your overall credit worthiness your willingness to pay your account should they extend credit to you.

The disclosure of your personal information is in strict accordance with Australian and New Zealand privacy laws. For further information, please refer to D&B Privacy Policy.

What are the benefits of obtaining my credit file?

• Find out how you and your credit history are being portrayed to prospective creditors
• Have the opportunity to add comments to your file with regard to credit disputes
• Ensure creditors are getting a balanced, complete picture of your credit history
• Experience fair & accurate credit assessments and decisions from prospective creditors in minimal time

How do I obtain a copy of my credit file?

In compliance with Australian and New Zealand privacy laws, you may request a copy of your credit file from D&B to learn what information is held upon you and your credit history within the Consumer Credit Bureau database, and what is being disclosed to current and prospective credit providers.

N.B. You may only request a copy of your own credit file.

To obtain a copy of your credit file, simply download the application form below, complete and return to:

Dun & Bradstreet (Australia) Pty Ltd
Attention: Public Access Centre
PO Box 7405
St Kilda Rd VIC 3004

What steps should I take if I wish to dispute information contained within my credit file?

1. Obtain a copy of your individual credit file
   Simply download, complete and return the application for consumer credit file form Application for Consumer Credit File - Australia.pdf (51KB)
   
   If you wish to have the content of your consumer credit file investigated download, complete and return the update for consumer credit file form Update for Consumer Credit File - Australia.pdf (42KB)
   
2. Notify D&B's Public Access Centre of the dispute
   Notification of disputes concerning the information contained within your credit file must be made in writing via the Consumer Credit File - Update Form.
   

3. D&B will investigate the dispute
   Credit Provider
   Where the information has been provided directly from the credit provider, D&B will work with the credit provider to investigate the matter.

   Outcomes

   In the event that the appropriate documentation is supplied, D&B will update your credit file to reflect the change.

   In the event that the entry is correctly recorded and there is insufficient documentation, a statement can be included into your credit file advising that the entry has been queried and your file will not be amended.

   Public Record Enquiry
   Where the information relates to Public Records, a D&B public access representative will request that you provide relevant documentation from the court to update your credit file.

4. Notification of the outcome of the dispute
   Within 14 days of the dispute being lodged, a public access representative will notify you of the outcome of the dispute.

5. Disclosure of amended report to previous enquirers
   D&B will provide previous enquirers of your credit file (within the past three months or between the time the error was made and the date of the dispute) with an amended credit file. Previous enquirers will receive an updated copy within 30 days.

6. Right to appeal
   In the event that you are not satisfied with the outcome, you may exercise your right to Appeal to the Privacy Commission.

   Federal Privacy Commission
   Address: Box 5218 Sydney NSW 2001
   Hotline:1300 363 992