About Credit Smart

Credit Smart is an information website developed by credit experts in conjunction with consumer advocates and government bodies to help consumers understand the effects of the Privacy Act reforms on how credit reporting operates in Australia. It aims to help you understand how these credit reporting reforms affect you, by providing information about the system that is unbiased and fair.

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.