About CreditSmart

CreditSmart is an information website developed by credit experts in conjunction with consumer advocates and government bodies to help consumers understand how credit reporting operates in Australia. It aims to help you understand how recent credit reporting reforms affect you, by providing information about the system that is unbiased and fair.

CreditSmart’s purpose is to empower you to understand how your credit choices affect the information that credit providers can access, and how you can access and control that information. CreditSmart aims to improve your financial knowledge by providing tips on how you can better manage your credit and minimise debt. 

This website (CreditSmart) contains general information about consumer credit reporting and related topics. This information was current when first published. It is not legal advice or a recommendation. Appropriate legal advice should be obtained in actual situations.

While every care has been taken in the preparation of this website, the website owner, Australian Retail Credit Association (ARCA) cannot accept responsibility for any errors in the material, including those caused by negligence. ARCA makes no statements, representations or warranties about the accuracy or completeness of the information on the CreditSmart website.

The CreditSmart website includes links to third party websites, with these links provided for information purposes. Linking to third party websites does not mean that ARCA endorses or approves those sites or the owners of those sites. ARCA is also not responsible for the accuracy of information contained on third party websites, and provides no warranty that those third party website are computer-virus free. ARCA disclaims all liability (including liability for negligence) for all expenses, losses, damages and costs you might incur as a result of the inaccurate or incomplete information on third party websites.

This website was developed by the Australian Retail Credit Association (ARCA).

This is not an ASIC website. The ASIC website which contains more general consumer education guidance, is located at www.moneysmart.gov.au.