An Australian credit journal
Est. 2014 · Plain-English guides to credit in Australia
The rulebook
Credit in Australia is a licensed activity. These pieces explain who is allowed to help you, what still counts as credit assistance, and how to complain when a lender or broker gets it wrong.
The NCCP unsuitability test has a history, a 2020s argument about winding it back, and a present tense that is neither “dead” nor unchanged. SACCs and remaining unsuitability ideas still matter.
CMS Editorial · 16 April 2026
What the Privacy Act and the Credit Reporting Code actually let you do with a file held by Equifax, Experian or illion — access, correction, ban periods, direct marketing and the OAIC.
CMS Editorial · 26 February 2026
Australian credit licences, credit representatives, the statutory meaning of credit assistance, and why a journal that explains credit does not suggest a particular contract.
CMS Editorial · 8 January 2026
How internal dispute resolution works under RG 271, when AFCA can hear a credit complaint, the time limits, and why a folder of letters is the real application form.
CMS Editorial · 3 December 2025