Privacy Policy

Clear Credit Repair Pty Ltd  |  ACL 535271  |  Effective 21 June 2026

1. About This Policy

Clear Credit Repair Pty Ltd (ACL 535271) is committed to protecting your personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and the Credit Reporting Privacy Code. This policy explains how we collect, use, disclose, and manage your personal and credit information in the course of providing our services.

2. What Information We Collect

• Full name, date of birth, address history, and contact details
• Government-issued identification (driver licence, passport)
• Credit reports from Equifax, Experian, and/or Illion
• Details of credit listings (defaults, judgments, enquiries, repayment history)
• Financial information relevant to your credit repair matter
• Correspondence with credit providers, credit bureaus, and AFCA
• Signed authority and consent documents
• Payment and invoicing information

3. How We Collect Your Information

• Directly from you when you contact us by phone, email, or through our website
• From credit reporting bodies with your written consent
• From credit providers and debt collectors in the course of dispute investigations
• From AFCA and other regulatory bodies during complaint processes
• From referrers who introduce you to our services

4. Why We Collect and Use Your Information

• Assess your eligibility for our credit repair services
• Obtain your credit report and identify potentially disputable listings
• Investigate whether credit listings comply with the Privacy Act 1988 and Credit Reporting Code
• Prepare and lodge formal dispute letters with credit providers and bureaus
• Correspond with AFCA on your behalf where required
• Issue invoices and manage payments
• Comply with our obligations under ACL 535271 and applicable law

5. Credit Reporting Information

As an Australian Credit Licensee (ACL 535271), we handle credit reporting information in accordance with Part IIIA of the Privacy Act 1988 and the Credit Reporting Privacy Code. We will only access your credit report with your express written consent. Your credit information will not be disclosed to third parties except as necessary to conduct your dispute or as required by law.

6. Disclosure of Your Information

We may disclose your information to:

• Credit reporting bodies (Equifax, Experian, Illion) for dispute lodgement
• Credit providers and their representatives in the course of investigations
• AFCA and other external dispute resolution bodies
• ASIC or other regulatory bodies if required by law
• Our professional advisers where necessary

We do not sell, rent, or trade your personal information to any third party.

7. Storage and Security

Your personal information is stored securely. We take reasonable steps to protect your information from misuse, interference, loss, and unauthorised access. Access to your information is restricted to staff who need it to perform their duties.

8. How Long We Keep Your Information

We retain your personal information for a minimum of 7 years following the conclusion of your matter, in accordance with our obligations under the National Consumer Credit Protection Act 2009. After this period, information is securely destroyed.

9. Accessing and Correcting Your Information

You have the right to access the personal information we hold about you and to request corrections if it is inaccurate or out of date. Contact us at info@ccrepair.com.au or call 0411 733 563. We will respond within 30 days.

10. Complaints

If you believe we have breached the Australian Privacy Principles or the Credit Reporting Privacy Code, lodge a complaint with us at info@ccrepair.com.au. We will acknowledge within 5 business days and respond within 30 days.

If you are not satisfied, escalate to:

• AFCA: afca.org.au  |  1800 931 678
• OAIC: oaic.gov.au  |  1300 363 992

11. Website and Cookies

Our website may use cookies to improve your browsing experience. No personally identifiable information is collected through cookies without your consent. Our website contact form collects your name, email, phone, and enquiry details solely for the purpose of responding to your enquiry.

12. Changes to This Policy

We may update this Privacy Policy from time to time. The current version will always be available at clearcreditrepair.com.au/privacy-policy.

13. Contact Us

Clear Credit Repair Pty Ltd  |  ACL 535271  |  ABN 46 628 615 010  |  AFCA 83830
Credit services are provided under Australian Credit Licence ACL 535271 issued by ASIC. Results depend on individual circumstances.