Creditcrest Credit Reporting
What a licensed lender that reports comprehensive credit information must supply and when: repayment history each month, hardship information for the months an arrangement affected, and whether the conditions for default information are met — all from the LoanManager ledger.
Repayment history, three example accounts
| Account | 2026-02 | 2026-03 | 2026-04 | 2026-05 | 2026-06 | 2026-07 | 2026-08 |
|---|---|---|---|---|---|---|---|
| LN-CLEAN | C | C | C | C | C | C | C |
| LN-ARREARS | C | 2 | 3 | 4 | 5 | 6 | X |
| LN-HARDSHIP | C | C FHI | C FHI | 4 | 5 | 6 | X |
C is current; 1–6 and X are the ages of the oldest unpaid repayment in Privacy (Credit Reporting) Code 2025 s 8(2)–(5). Under a temporary hardship arrangement C means kept and 1 means not kept.
Default information — LN-ARREARS on 15 June 2026
Every condition this checks is met. Whether to disclose default information is the licensee’s decision; nothing has been reported.
- ✓ At least 60 days overdue — Oldest unpaid repayment due 1 Mar 2026, 106 days before 15 June 2026. Privacy Act 1988 s 6Q(1)
- ✓ Overdue amount at least $150 — $960.04 of repayments overdue. Account-level fees (dishonour, collection) are not counted toward the threshold here. Privacy Act 1988 s 6Q(1)
- ✓ Written notice of the overdue payment, requesting payment (s 6Q notice) — Given 20 Apr 2026. Privacy Act 1988 s 6Q(1)
- ✓ Not barred by a statute of limitations — Recorded as not barred. Privacy Act 1988 s 6Q(1)
- ✓ Notice of intention to disclose (s 21D(3) notice), separate from and at least 30 days after the s 6Q notice — Given 25 May 2026, 35 days after the s 6Q notice. Privacy (Credit Reporting) Code 2025 s 9(1)–(4)
- ✓ At least 14 days since the s 21D(3) notice — 21 days by 15 June 2026. Privacy Act 1988 s 21D(3)(d)
- ✓ No more than 3 months since the s 21D(3) notice — The window closes 25 Aug 2026. Privacy (Credit Reporting) Code 2025 s 9(1)–(4)
- ✓ No hardship request being decided, or refused less than 14 days ago — No hardship request recorded. Privacy (Credit Reporting) Code 2025 s 9(1)–(4)
What this could not verify
- The symbol for "current" is not fixed by the Code; C is the conventional one.
- A fortnightly or weekly contract is read month by month: the oldest repayment unpaid at month end sets the age.
- A hardship arrangement is tested at month end, not at the later end of any grace period (Code s 8A(3)(b)).
- Whether regulations prescribe a default threshold above $150 (Act s 6Q(1)(d)(ii)) was not checked.
- The registration date of the Privacy (Credit Reporting) Code 2025 was not confirmed on the Federal Register.
Read from the Privacy (Credit Reporting) Code 2025 and the Privacy Act 1988. A lender posts to /v1/credit-reporting. These are the credit reporting records the ledger supports, computed from the terms, events and dates the lender supplied. Nothing is sent to any credit reporting body and no default is reported; whether and what to disclose is the licensee’s decision. Creditcrest Technologies is not a credit provider, is not a credit assistance provider, and does not hold an Australian credit licence. Its software produces evidence; the licensee makes the decision.