Credit Reporting policy


This is the credit reporting policy of Taurus Finance Holdings Pty Limited ABN 78 625 555 464 Australian Credit Licence number 514213.

Words defined in the Privacy Act (Cth) 1988 (“Privacy Act”), the Australian Privacy Principles (“APPs”) and the Privacy (Credit Reporting) Code (“CR Code”) have the same meaning when used in this policy.

We also have a privacy policy which is available at

Credit information that we collect

The kinds of credit information that we collect about an individual includes information (other than sensitive information) that may be provided to us from a credit reporting body, including:

Credit eligibility information

If we obtain credit reporting information on an individual from a credit reporting body, or we derive information from it that has any bearing on the individual’s credit worthiness and could be used in establishing the individual’s eligibility for consumer credit, we refer to this information as “credit eligibility information” in this policy.

The types of credit eligibility information that we hold includes the credit information listed above. It may also include information such as credit scores and assessments which we generate from this information.

How we collect and hold credit information and credit eligibility information

We collect credit information from customers either by telephone, in person or in documentation such as an application form (which may be an online application). We may also collect credit information when you make a request or enquiry of us.

We also collect credit information from publicly available sources or third parties, such as a referee provided by you, a credit reporting body or other credit provider, an insurer of your property, or a person selling your debt to us or engaging us to collect the debt.

We will hold credit information and credit eligibility information in secure electronic and physical files.

Why we collect, hold, use and disclose credit information and credit eligibility information

We may collect, use, hold and disclose credit information and credit eligibility information when permitted by law:

Disclosing credit information to a credit reporting body

We may disclose credit information about you to a credit reporting body (“CRB”). The CRBs that we are likely to disclose your credit information to are as follows:

Phone: 13 83 32
Mail: Equifax Australia Information Services and Solutions Pty Limited, PO Box 964, North Sydney NSW 2059

Phone: 13 23 33
Mail: illion Australia Pty Ltd, PO Box 7405 St. Kilda Rd, Melbourne VIC 3004

Phone: 1300 784 134
Mail: Experian Australia Credit Services Pty Ltd, PO Box 1969, North Sydney NSW 2060

If an overdue payment arrangement or financial hardship arrangement is implemented after 1 July 2022, we will take reasonable steps to provide you with information that describes what information about the arrangement will be disclosed to credit reporting bodies (as required by the Privacy (Credit Reporting) Code).

Our practices with respect to repayment history information and financial hardship information will reflect any obligations that we have under the Privacy Act and Privacy (Credit Reporting) Code.

If we disclose your credit information to a CRB:

Each CRB has a policy about the management of credit-related personal information. You can get a copy of the policy by contacting the CRB using its contact details above.

Your rights under the Privacy Act in relation to credit-related information

Your rights under the Privacy Act in relation to credit-related information include the following:

Overseas recipients

We do not disclose credit information or credit eligibility information about you to overseas recipients or service providers.

How to access credit eligibility information

On request from you we will provide details of the credit eligibility information we hold about you. The release of information is subject to some exceptions such as information relating to existing or any anticipated legal proceedings, together with exceptions provided by the Privacy Act.

Unless unusual circumstances apply, we should provide access to you within 30 days of the request.

We reserve the right to charge a fee for providing access to your information when permitted by law.

To protect your personal information, the request to us must be in writing and can be sent by letter or facsimile or email. All correspondence should be addressed to:

Mail: The Privacy Officer, PO Box 526, North Sydney NSW 2059

Our objective is to respond to any request within a reasonable timeframe.

How to seek correction of credit information or credit eligibility information

Under the Privacy Act you have the right to make a complaint to us about an act or practice engaged in by us as a credit provider that may be a breach of Part IIIA of the Privacy Act (which deals with credit reporting) or the CR Code (a “Credit Privacy Complaint”).


We aim to ensure that credit information and credit eligibility information about you is accurate, up to date and complete. Amendment of information will be conducted upon written or verbal request from you. You can contact us on 02 83113998 or write to The Privacy Officer to do this.

If you make a Credit Privacy Complaint, you must specify the nature of the complaint. It may relate to personal information that has been destroyed or de-identified. We will not charge you for making or dealing with the complaint. Within 7 days we will give you a written notice that acknowledges the making of the complaint and sets out how we will deal with the complaint, and we will then investigate the complaint. If we think it is necessary we may consult with a CRB or another credit provider. After investigating the complaint we will within 30 days (or any longer period agreed by you in writing) give you a written notice setting out our decision.

If you are not satisfied with our decision you may access our external dispute resolution scheme, the Australian Financial Complaints Authority (AFCA). We are a member of AFCA. The contact details for AFCA are:

Phone: 1800 931 678 (free call within Australia)
9:00am to 5:00pm AEST weekdays

Add +61 for calls from an international number. International calls may incur a charge from your carrier.

Mail: Australian Financial Complaints Authority Limited, GPO Box 3, Melbourne VIC 3001

Changes to this policy

This policy is subject to change over time without prior notice. We may amend this policy by updating this posting.

Copies of this policy

You can ask us to provide you with a copy of this policy, including a hard copy, by contacting us using the contact details above.

Date published: 4 July 2022