4.1 Notice of disclosure of your credit information to a credit reporting agency. (Privacy Act 1988)We may give information about you to a credit reporting agency, for the following purposes

* to obtain a consumer credit report about you, and/or

* to allow the credit reporting agency to create or maintain a credit information file containing information about you.

The information is limited to:
* Identity particulars – your name, sex, address (and the previous two addresses) date of birth, name of employer, and drivers licence number.
* your application for credit or commercial credit – the fact that you have applied for credit and the amount.
* The fact that [name of credit provider] is a current credit provider to you
* loan repayments which are overdue by more than 60 days, and for which debt collection action has started.
* advice that your loan repayments are no longer overdue in respect of any default that has been listed.* information that, in the opinion of [name of credit provider] you have committed a serious credit infringement (that is, fraudulently or shown an intention not to comply with your credit obligations).
* dishonoured cheques – cheques drawn by you for $100 or more which have been dishonoured more than once.
* that credit provided to you by your credit provider has been paid or otherwise discharged. Period to which this understanding applies This information may be given before, during or after the provision of credit to you.