About CreditSmart

CreditSmart is an information website developed by credit experts in conjunction with consumer advocates and government bodies to help consumers understand how credit reporting operates in Australia. It aims to help you understand how recent credit reporting reforms affect you, by providing information about the system that is unbiased and fair.

CreditSmart’s purpose is to empower you to understand how your credit choices affect the information that credit providers can access, and how you can access and control that information. CreditSmart aims to improve your financial knowledge by providing tips on how you can better manage your credit and minimise debt. 

This website was developed by the Australian Retail Credit Association (ARCA).

This is not an ASIC website. The ASIC website which contains more general consumer education guidance, is located at www.moneysmart.gov.au.