Skip to Main Content

Consultant Resources

Consultants play a critical role in helping consumers understand the credit reporting system. 

Use these resources to improve your own knowledge of credit reporting and credit health and as a reference when assisting a consumer with their credit reporting or credit health query.

Credit reporting


Privacy Act & Credit Reporting Code

Find out more

Comprehensive credit reporting:

Information sheet

Size: 317 KB Download

Things to know

Find out more

Repayment history information:

Tips to explain RHI

Find out more

Managing your credit

Fixing errors on your credit report:

Information sheet

Size: 379 KB Download

Processes & obligations

Find out more

Buy Now Pay Later:

CreditSmart BNPL Information sheet

Size: 571 KB Download

BNPL explained

Find out more

Credit scores

Know your credit score

Find out more

Improving your credit score

Find out more

Understanding financial hardship

CreditSmart HUB:

Financial hardship

Find out more

Tips and tricks

Find out more

Late payments:

Information sheet

Size: 5.3 MB Download

How to look good to lenders

Find out more

Types of hardship arrangements:

Temporary arrangement

Size: 7.7 MB Download

Variation arrangement

Size: 6.7 MB Download

Debt waiver & your credit report

CreditSmart Debt waiver and your credit report2

Size: 3.4 MB Download

Time to Sell arrangements

Information sheet

Size: 3.7 MB Download

Bankruptcy & debt agreements

Bankruptcy & your credit report:

Information sheet

Size: 235 KB Download

Important to note

Find out more

Default listing:

Impact on creditworthiness

Find out more

Domestic abuse

Domestic abuse:

Financial Abuse Support

Find out more

Helpful services:


Find out more

We value your opinion and would appreciate any feedback or questions you may have.

How can we help you?

Digital Agency: SGY