Credit data, bureaus and open banking
Understand credit reporting, data accuracy, bureau access, alternative data and consumer protections across lending decisions.
Credit Data and Credit Reporting Compliance
Credit data compliance requires a lawful basis for accessing and processing relevant information, accurate reporting, transparent consumer rights, and governance over how information informs credit decisions.
How Credit Data Is Used in Lending Decisions
Credit data can influence whether a lender accepts an application, what terms it offers, whether it requests more evidence and how it manages an existing account.
Credit Bureau Data and Consumer Credit Compliance
Credit bureaus aggregate or organise information about credit accounts, repayment experience, defaults and searches.
Obtaining Credit Reports for Lending Decisions
A credit report should be requested only after the lender has identified a lawful access purpose and the relevant national rules.
Put the topic in context.
Choose a jurisdiction before applying a rule. Use the sources attached to each guide and record unresolved product questions.