terms & conditions

This service is for your personal use only and is not for use by anyone other than you in respect of your credit report information.

By ordering a Check Your Credit product or service, you also confirm you are requesting a copy of your own consumer credit related information and that the details you have supplied are true and correct. You understand it is an offence under federal laws to improperly access a Check Your Credit product or service that is not your own and a breach may result in a penalty or imprisonment. You understand that your credit information is current as at the time of request for a copy, and unless you have sought a credit alert from us you may need to order a report again in the future to get the most up-to-date information.

Whilst D&B provides the service of credit reporting with due care and skill, you agree and acknowledge that:

  1. a. the information in your Check Your Credit product or service is supplied to all parties “as is” and may contain errors, be incomplete, be inaccurate or out of date because it is compiled from private sources (e.g. third party creditors) or public information sources (as the law permits) which is not independently verified by D&B; and
  2. b. because of the way that information is lawfully obtained, D&B cannot, and does not guarantee or warrant the correctness, completeness, merchantability or fitness for a particular purpose of any information obtained or derived through or in connection with your Check Your Credit product or service.

The information collected from you when you order a Check Your Credit product or service will be used for identity verification (to ensure that the correct report is accessed) and may be held and used to update your contact details and drivers licence number. Other government identifiers will only be used for identity verification and will not form part of your consumer credit report. D&B may disclose this information to third parties who perform these services on our behalf or buy our credit reports (in respect of your contact details and drivers licence number).

If you have ordered a free credit report it will be in your online account or dispatched by mail within 3 days of you completing your order and successful identity verification. Where you have paid for a notification/alert product, we don’t charge extra for your request or providing access to your credit information.

For questions about your report (after you have ordered it), please contact Dun & Bradstreet’s Public Access Centre on 1300 734 806. Please note that D&B consultants will not be able to see your report unless you have already ordered it and discuss it with them.

If you have a correction to make, please ensure that you provide the Public Access Centre objective evidence of what is wrong (e.g. something that shows both you and the credit provider agree on the change to be made). If there is a dispute between you and the credit provider as to whether the correction should be made, D&B will not be able to make that change until the dispute is resolved.

Privacy Statement “Dun & Bradstreet” or “D&B” means Dun & Bradstreet (Australia) Pty Ltd – ABN 72 256 863 039 and DBCC Pty Ltd (the consumer credit reporting body) and other related entities. D&B collects, holds, uses and discloses personal information about the individual that is the subject of the Check Your Credit product or service (you) for the purpose of carrying out credit reporting, debt collection and other activities as set out in more detail in our Privacy Policy. The Privacy Policy includes how to correct personal information D&B holds on you. Privacy Policy

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