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CreditSmart® is a consumer education campaign owned by the Australian Retail Credit Association (ARCA), which is the peak body for organisations involved in the disclosure, exchange, and application of credit reporting data in Australia. ARCA’s Members are the most significant credit providers including the four major banks, credit reporting bodies (CRBs), specialist consumer finance companies, and marketplace lenders.
CreditSmart’s vision is to improve peoples’ lives through better credit decisions. CreditSmart® fulfills a gap in providing simplistic credit reporting information to consumers who need help – consumers that are actively searching online for information around credit reporting and credit health.