Your Consumer Credit Rights Under the National Credit Act
Want to know what the National Credit Act protects? Understand your rights to apply, request credit-refusal reasons, receive disclosures and challenge inaccurate bureau information.
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01 · UNDERSTAND THE AGREEMENT
Before you sign credit
Ask for the quotation and check the instalment, costs, fees and insurance before signing.
02 · KEEP YOUR INFORMATION IN VIEW
While the agreement is active
Keep statements, query unexplained charges and protect your personal credit records.
03 · YOUR CREDIT RECORD
When reviewing a credit report
Check bureau information and use the free challenge process for factual inaccuracies.
04 · USE THE APPROPRIATE ROUTE
When something goes wrong
Use the lender complaint route and relevant ombud, NCR or legal process for your issue.
APPLICATIONS, ACCURACY AND CONFIDENTIALITY
Common questions about this NCA issue
Can a lender refuse my credit application?
Yes. A right to apply is not a right to approval. Consumers can have rights to reasons in circumstances covered by the NCA.
Can I challenge bureau information?
Yes. Consumers have rights to challenge information held by a credit bureau when they believe it is inaccurate.
Is all consumer-credit information public?
No. Consumer credit information is subject to confidentiality and lawful-processing requirements.
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