{
  "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?}",
    "POST /v1/credit-reporting/prepare": "{month, accounts: [{reference, terms, events, arrangements}], previous?, tier?, body?} — the month’s contribution as it would be sent, its SHA-256, and the check before a person at the lender approves it",
    "POST /v1/credit-reporting/obligations": "{config: {id, compliance, creditReporting}, events, asAt, defaults?} — the lender’s filings replayed from its own events: each one’s step, due day, overdue flag and approval, and its enquiry log"
  },
  "service_events": {
    "prepared": "The filing was prepared: `hash` of its contents, `by`, and optionally `records`.",
    "checked": "It was checked: `problems` (none, or each in words), `by`.",
    "approved": "A named person at the lender approved it: `by`, and `hash` of the contents approved.",
    "submitted": "It went to the body: `via` (creditcrest | lender), `receipt`, `hash`.",
    "acknowledged": "The body acknowledged it: `receipt`, `accepted`, and `rejected` (a count or the records) where it refused some.",
    "rejected": "The body refused all or part of it: `items` [{ account, month, reason }]. A correction falls due.",
    "enquiry": "A credit enquiry made on the lender’s behalf: `by`, `application`, `purpose`, `receipt`, `outcome`."
  },
  "tiers": {
    "negative": "Default information; no monthly repayment history.",
    "partial": "Account information; no monthly repayment history.",
    "comprehensive": "Account information, with repayment history and hardship information each month."
  },
  "activities": {
    "enquiry": "Credit enquiries at application",
    "contribution": "The monthly contribution",
    "default": "Default information"
  },
  "enquiry_purposes": {
    "consumer credit application": "Assessing an application for consumer credit."
  }
}