Welcome to illion!

As a Credit Reporting Business illion recognises the importance of protecting the information it holds including the special protection of Credit Reporting Information.

This Policy outlines illion’s credit reporting policy and should be read in conjunctions with illion’s Privacy Policy. If a printed copy of this policy is required this can be requested via our Public Access Centre on 1300 734 806 or by email request to PAC.austral@illion.com.au If required in a particular format, illion’s Public Access Centre will take reasonable steps to make this happen but may charge a fee depending on the format required.

illion Legal Entities

This policy applies to the illion entity referred to below.

DBCC Pty Ltd
Trading as illion Data Registries

D-U-N-S 75 014 4649
ABN 38 101 620 446
ACN 101 620 446

To simplify matters illion refers to itself as “us” “we” and “our” in this policy.

1. The kinds of Credit Reporting Information we collect

Credit Reporting Information includes personal information as well as information about the manner in which an individual has managed their credit. This includes:

  • Identification information (name / address / date of birth etc);
  • Consumer credit liability information (credit obtained for predominantly personal or household use);
  • Details of the credit provider, mortgage insurer or trade insurer who provided the credit;
  • Repayment History information (limited to certain Credit Providers such as Banks and Finance Companies);
  • Type and amount of consumer or commercial credit;
  • Default information;
  • Payment information;
  • New arrangement information;
  • Court proceedings information;
  • Personal insolvency information;
  • Publicly available information; and
  • The opinion of credit providers as to an individual having committed a serious credit infringement.

2. How we collect and hold Credit Reporting Information

As a provider of information services, we collect information from individuals directly as well as from our customers and third party service providers. This includes Credit Providers, Utility Providers and Telecommunication Companies, as well as information from Court records and publicly accessible databases (such as ASIC or Personal Insolvency records).

The majority of the Credit Reporting Information is collected from Credit Providers who either have or are considering providing a credit related service to an individual.

As per our Privacy Policy we are serious about the security of the information we collect and recognise the importance of treating Credit Reporting Information appropriately. Credit Reporting Information is held in Australia only.

3. The kinds of information we derive from Credit Reporting Information

As noted above we collect Credit Reporting Information from various sources. This information is aggregated to provide to our Customers, the individual or their representative.

To assist individuals and our Customers in understanding credit worthiness we may derive certain information from all of the Credit Reporting Information (“CRI”) we hold. An example of this is a credit score which is information that becomes available to our Customers when they request information from us.

4. The purposes for which we collect, hold, use and disclose Credit Reporting Information

Some of the most common purposes are:

  • Assisting our Customers in assessing applications for personal or business related credit;
  • Assisting individuals and businesses in understanding their credit worthiness;
  • For identity verification purposes for individuals and our Customers;
  • Managing our relationship with individuals and our Customers;
  • Assisting our Customers in debt management and debt recovery;
  • Assisting our Customers in risk management;
  • Undertaking research, analytics and/or benchmarking in relation to credit activities;
  • For audit and compliance purposes; and
  • To comply with our legal and regulatory obligations.

5. Direct Marketing and Credit Reporting Information

We do not use or allow Credit Reporting Information to be used for Direct Marketing; this is not permissible by law.

While Direct Marketing is not permissible the use of certain Credit Information for “pre-screening” purposes is permitted. Pre-screening allows a Credit Provider to exclude individuals from a direct marketing campaign where the individual is deemed ineligible for the product/service in question based on the Credit Provider’s eligibility criteria.

If an individual does not want their Credit Information used for pre-screening purposes they should advise us on the contact details below.

6. Preventing Fraud

If an individual has been a victim of fraud or is likely to be a victim of fraud (including identity fraud) they can request a ban on access to their credit file using the contact details below. Initially a ban will be put in place for 21 days. This will prevent a credit provider from accessing Credit Reporting Information from illion and reduce the likelihood of an account being opened fraudulently.

If a ban is put in place illion will confirm with the individual the duration of the ban and inform them when the ban period will expire.

While a ban is in place a Credit Provider will not be able to access CRI from us, this may limit the Credit Provider’s capacity to make a full credit assessment.

7. How to access Credit Reporting Information

We recognise the accuracy of the Credit Reporting Information we hold about an individual is critical to our business so encourage individuals to obtain their information and identify and correct any errors where they exist.

To access Personal Information we have established the Public Access Centre with the following contact points:

Telephone: 1300 734 806
E-mail: pac.austral@illion.com.au
Website: https://www.checkyourcredit.com.au

8. How to correct Credit Reporting Information

While we take reasonable steps to ensure that the Credit Reporting Information held by us is up to date, we also rely on our Customers and individuals to inform us if the information we hold is inaccurate or incomplete.

It is important that any errors are corrected; these should be raised through the Public Access Centre on the details above or complete and return this Correction Request form.

9. How to lodge a complaint about the handling of Credit Reporting Information

We aim to address enquiries and service requests quickly and efficiently, however we understand there are times when things may go wrong and an individual may want to make a complaint.

To make a complaint it may be beneficial to complete the Online Form to ensure all relevant information is available, otherwise please speak with us on the contact number above. Alternatively you may find it helpful to download a Complaint lodgement Form.pdf (25KB) and return it to:

Attention to: Privacy Complaints
Company: illion Australia
Postal Address: PO Box 7405, St Kilda Rd Melbourne VIC 3004
Email: chc-au@illion.com.au
Fax: (03) 9828 3447

As per our complaint handling policy we will acknowledge receipt of a complaint within five business days and commit to investigating the complaint and providing a response within 30 days, provided that we have access to all necessary information. In cases where further information, assessment or investigation is required, we will seek to agree on an acceptable alternative time frame.

If the complaint continues to be unresolved there may be the option to escalate the matter to an external body. This could be to the Office of the Australian Information Commissioner or to the Australian Financial Complaints Authority.

Updated Nov 2018