{
  "service": "Creditcrest Credit Reporting",
  "version": "1.0.0",
  "not_a_decision": "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.",
  "stores": "nothing",
  "sources": {
    "rhi": {
      "cite": "Privacy (Credit Reporting) Code 2025 s 8(2)–(5)",
      "url": "https://www.oaic.gov.au/__data/assets/pdf_file/0014/250160/24-March-2025-Privacy-Credit-Reporting-Code-2025.PDF",
      "read": "2026-09-26"
    },
    "fhi": {
      "cite": "Privacy (Credit Reporting) Code 2025 s 8A(3)–(8)",
      "url": "https://www.oaic.gov.au/__data/assets/pdf_file/0014/250160/24-March-2025-Privacy-Credit-Reporting-Code-2025.PDF",
      "read": "2026-09-26"
    },
    "default_conditions": {
      "cite": "Privacy Act 1988 s 6Q(1)",
      "url": "https://www.legislation.gov.au/C2004A03712/2024-12-11/2024-12-11/text/original/pdf",
      "read": "2026-09-26"
    },
    "default_notice": {
      "cite": "Privacy Act 1988 s 21D(3)(d)",
      "url": "https://www.legislation.gov.au/C2004A03712/2024-12-11/2024-12-11/text/original/pdf",
      "read": "2026-09-26"
    },
    "default_timing": {
      "cite": "Privacy (Credit Reporting) Code 2025 s 9(1)–(4)",
      "url": "https://www.oaic.gov.au/__data/assets/pdf_file/0014/250160/24-March-2025-Privacy-Credit-Reporting-Code-2025.PDF",
      "read": "2026-09-26"
    },
    "who_may": {
      "cite": "Privacy Act 1988 s 21D(3)(c)",
      "url": "https://www.legislation.gov.au/C2004A03712/2024-12-11/2024-12-11/text/original/pdf",
      "read": "2026-09-26"
    }
  },
  "unverified": [
    "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."
  ],
  "endpoints": {
    "POST /v1/credit-reporting/history": "{reference, terms, events, arrangements?, asAt, grace?}",
    "POST /v1/credit-reporting/submission": "{month, accounts: [{reference, terms, events, arrangements}], previous?}",
    "POST /v1/credit-reporting/default": "{terms, events, asAt, s6qNotice, s21dNotice, statuteBarred, hardshipRequest, threshold?}"
  }
}