{"id":16674,"date":"2026-08-13T09:00:00","date_gmt":"2026-08-12T23:00:00","guid":{"rendered":"https:\/\/geoffreychen.com\/?p=16674"},"modified":"2026-08-13T09:00:00","modified_gmt":"2026-08-12T23:00:00","slug":"credit-score-prediction-opportunity","status":"publish","type":"post","link":"https:\/\/geoffreychen.com\/zh\/credit-score-prediction-opportunity\/","title":{"rendered":"\u4fe1\u7528\u5206\u662f\u5728\u9884\u6d4b\u8fd8\u6b3e\uff0c\u8fd8\u662f\u4e5f\u5728\u51b3\u5b9a\u8c01\u6709\u673a\u4f1a\u8bc1\u660e\u81ea\u5df1\uff1f"},"content":{"rendered":"<\/p>\n<p><em>\u300a\u5f53\u6570\u5b57\u5f00\u59cb\u505a\u51b3\u5b9a\u300b\u00b7 \u7b2c\u4e00\u5b63\u201c\u95e8\u69db\u7ebf\u4e24\u8fb9\u7684\u4eba\u201d\u00b7 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lending\u4e49\u52a1\u8981\u6c42\u76f8\u5173credit licensee\u5bf9\u6d88\u8d39\u8005\u7684\u8d22\u52a1\u72b6\u51b5\u3001\u8981\u6c42\u548c\u76ee\u6807\u4f5c\u51fa\u5408\u7406\u8be2\u95ee\uff0c\u91c7\u53d6\u5408\u7406\u6b65\u9aa4\u6838\u5b9e\u8d22\u52a1\u72b6\u51b5\uff0c\u5e76\u8bc4\u4f30\u5408\u540c\u662f\u5426\u201cnot unsuitable\u201d\u3002\u8d37\u6b3e\u4eba\u4e0d\u80fd\u56e0\u4e3a\u67d0\u4eba\u5206\u6570\u8f83\u9ad8\uff0c\u5c31\u5ffd\u7565\u8d37\u6b3e\u662f\u5426\u4f1a\u9020\u6210\u5b9e\u8d28\u56f0\u96be\uff1b\u4e5f\u4e0d\u80fd\u628a\u98ce\u9669\u8bc4\u5206\u4e0e\u8d1f\u62c5\u80fd\u529b\u5f53\u6210\u540c\u4e00\u4e2a\u95ee\u9898\u3002<a href=\"https:\/\/asic.gov.au\/regulatory-resources\/credit\/responsible-lending\/\" target=\"_blank\" rel=\"noopener\">ASIC\uff1a\u300aResponsible lending\u300b<\/a><\/p>\n<p>\u8fd9\u91cc\u81f3\u5c11\u6709\u4e09\u4e2a\u4e0d\u540c\u5224\u65ad\uff1a<\/p>\n<ol>\n<li>\u8fd9\u4e2a\u4eba\u8fc7\u53bb\u600e\u6837\u4f7f\u7528\u4fe1\u7528\uff1f<\/li>\n<li>\u76f8\u4f3c\u8bb0\u5f55\u7684\u4eba\u672a\u6765\u53d1\u751f\u8fdd\u7ea6\u7684\u6982\u7387\u6709\u591a\u9ad8\uff1f<\/li>\n<li>\u8fd9\u9879\u5177\u4f53\u8d37\u6b3e\u662f\u5426\u9002\u5408\u8fd9\u4e2a\u4eba\u7684\u6536\u5165\u3001\u652f\u51fa\u3001\u9700\u8981\u548c\u76ee\u6807\uff1f<\/li>\n<\/ol>\n<p>\u4fe1\u7528\u62a5\u544a\u4e3b\u8981\u4e3a\u524d\u4e24\u9879\u63d0\u4f9b\u8d44\u6599\uff0cresponsible lending assessment\u9762\u5bf9\u7b2c\u4e09\u9879\u3002\u5b9e\u9645\u8d37\u6b3e\u51b3\u5b9a\u8fd8\u53ef\u80fd\u5305\u62ec\u53cd\u6b3a\u8bc8\u3001\u62c5\u4fdd\u3001\u4ea7\u54c1\u653f\u7b56\u548c\u5546\u4e1a\u98ce\u9669\u504f\u597d\u3002<\/p>\n<p>\u5982\u679c\u62d2\u7edd\u901a\u77e5\u53ea\u8bf4\u201c\u672a\u8fbe\u5230\u6807\u51c6\u201d\uff0c\u7533\u8bf7\u4eba\u4fbf\u65e0\u6cd5\u77e5\u9053\u81ea\u5df1\u9762\u5bf9\u7684\u662f\u9519\u8bef\u8d44\u6599\u3001\u98ce\u9669\u6a21\u578b\u3001\u8d1f\u62c5\u80fd\u529b\u5224\u65ad\uff0c\u8fd8\u662f\u8d37\u6b3e\u4eba\u7684\u5546\u4e1a\u95e8\u69db\u3002\u6570\u5b57\u8d8a\u5feb\u5730\u4ea7\u751f\u7ed3\u679c\uff0c\u89e3\u91ca\u8d8a\u5bb9\u6613\u88ab\u538b\u7f29\u3002<\/p>\n<h2>\u56db\u3001\u9884\u6d4b\u600e\u6837\u53d8\u6210\u5faa\u73af\u56e0\u679c\uff1f<\/h2>\n<p>\u4fe1\u7528\u7cfb\u7edf\u4f9d\u9760\u5386\u53f2\u8d44\u6599\u9884\u6d4b\u672a\u6765\uff0c\u8fd9\u662f\u5408\u7406\u7684\u8d77\u70b9\u3002\u957f\u671f\u6309\u65f6\u8fd8\u6b3e\u901a\u5e38\u4e0e\u8f83\u4f4e\u98ce\u9669\u76f8\u5173\uff0c\u4e25\u91cd\u903e\u671f\u4e5f\u5e94\u5f53\u6210\u4e3a\u8d37\u6b3e\u4eba\u8003\u8651\u7684\u8bc1\u636e\u3002<\/p>\n<p>\u4f46\u8fc7\u53bb\u8bb0\u5f55\u4e0d\u53ea\u662f\u4e2a\u4eba\u9009\u62e9\u7684\u7ed3\u679c\u3002\u5b83\u8fd8\u53d7\u5230\u6536\u5165\u4e0d\u7a33\u5b9a\u3001\u75be\u75c5\u3001\u5bb6\u5ead\u66b4\u529b\u3001\u91d1\u878d\u56f0\u96be\u5b89\u6392\u3001\u5c45\u4f4f\u53d8\u5316\u4ee5\u53ca\u6b64\u524d\u662f\u5426\u83b7\u5f97\u8fc7\u4fe1\u7528\u5f71\u54cd\u3002<\/p>\n<p>\u4e00\u4e2a\u6ca1\u6709\u4fe1\u7528\u8bb0\u5f55\u7684\u5e74\u8f7b\u4eba\u6216\u65b0\u79fb\u6c11\uff0c\u53ef\u80fd\u4e0d\u662f\u9ad8\u98ce\u9669\uff0c\u53ea\u662f\u7cfb\u7edf\u77e5\u9053\u5f97\u8f83\u5c11\u3002\u6a21\u578b\u5982\u679c\u628a\u201c\u7f3a\u5c11\u8bc1\u636e\u201d\u5f53\u6210\u201c\u4e0d\u5229\u8bc1\u636e\u201d\uff0c\u4ed6\u4f1a\u66f4\u96be\u83b7\u5f97\u7b2c\u4e00\u9879\u4ea7\u54c1\uff1b\u6ca1\u6709\u4ea7\u54c1\uff0c\u53c8\u65e0\u6cd5\u5f62\u6210\u6a21\u578b\u60f3\u770b\u7684\u6b63\u9762\u8bb0\u5f55\u3002<\/p>\n<p>\u53e6\u4e00\u79cd\u5faa\u73af\u6765\u81ea\u7533\u8bf7\u67e5\u8be2\u3002\u4e00\u4e2a\u4eba\u88ab\u7b2c\u4e00\u5bb6\u673a\u6784\u62d2\u7edd\u540e\u7ee7\u7eed\u7533\u8bf7\uff0c\u65b0\u7684\u67e5\u8be2\u53ef\u80fd\u8fdb\u5165\u62a5\u544a\uff1b\u968f\u540e\u673a\u6784\u770b\u89c1\u66f4\u591a\u8fd1\u671f\u7533\u8bf7\uff0c\u628a\u5b83\u89e3\u91ca\u4e3a\u8d44\u91d1\u538b\u529b\u3002\u6700\u521d\u7684\u62d2\u7edd\u56e0\u6b64\u6539\u53d8\u4e86\u540e\u7eed\u89c2\u5bdf\u5230\u7684\u8d44\u6599\u3002<\/p>\n<p>\u8fd9\u5e76\u4e0d\u8bc1\u660e\u6240\u6709\u8bc4\u5206\u90fd\u4f1a\u9020\u6210\u4e0d\u516c\u5e73\u5faa\u73af\u3002\u5b83\u8bf4\u660e\u9884\u6d4b\u7cfb\u7edf\u4e00\u65e6\u63a7\u5236\u673a\u4f1a\uff0c\u5c31\u4e0d\u518d\u5904\u4e8e\u73b0\u5b9e\u4e4b\u5916\u3002\u5b83\u7684\u51b3\u5b9a\u4f1a\u6539\u53d8\u8c01\u80fd\u4ea7\u751f\u4e0b\u4e00\u6279\u8bad\u7ec3\u548c\u8bc4\u4f30\u6570\u636e\u3002<\/p>\n<h2>\u4e94\u3001\u95e8\u69db\u4e24\u8fb9\u7684\u4eba\u53ef\u80fd\u5dee\u5728\u54ea\u91cc\uff1f<\/h2>\n<p>\u8d37\u6b3e\u4eba\u901a\u5e38\u4e0d\u4f1a\u516c\u5f00\u5b8c\u6574\u6a21\u578b\u548c\u7cbe\u786ecut-off\u3002\u5373\u4f7f\u77e5\u9053\u95e8\u69db\uff0c\u5dee\u4e00\u5206\u7684\u4e24\u540d\u7533\u8bf7\u4eba\u4e5f\u4e0d\u4e00\u5b9a\u53ea\u5dee\u4e00\u9879\u4e8b\u5b9e\uff1a\u5206\u6570\u53ef\u80fd\u7efc\u5408\u6570\u5341\u4e2a\u53d8\u91cf\uff0c\u4e14\u6a21\u578b\u8f93\u51fa\u968f\u540e\u8fd8\u4f1a\u4e0e\u6536\u5165\u3001\u503a\u52a1\u6bd4\u4f8b\u548c\u4ea7\u54c1\u653f\u7b56\u7ed3\u5408\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u4fe1\u7528\u95e8\u69db\u9644\u8fd1\u5b58\u5728\u4e24\u79cd\u4e0d\u786e\u5b9a\u6027\uff1a<\/p>\n<ul>\n<li>\u6d4b\u91cf\u4e0d\u786e\u5b9a\u6027\uff1a\u8d44\u6599\u662f\u5426\u51c6\u786e\u3001\u5b8c\u6574\u548c\u53ca\u65f6\uff1f<\/li>\n<li>\u63a8\u65ad\u4e0d\u786e\u5b9a\u6027\uff1a\u8fd9\u4e9b\u8d44\u6599\u5bf9\u8fd9\u4e2a\u4eba\u7684\u672a\u6765\u7a76\u7adf\u6709\u591a\u5927\u9884\u6d4b\u529b\uff1f<\/li>\n<\/ul>\n<p>\u5982\u679c\u4e00\u7b14default\u5c5e\u4e8e\u522b\u4eba\uff0c\u5206\u6570\u518d\u7cbe\u786e\u4e5f\u6ca1\u6709\u610f\u4e49\u3002\u5982\u679c\u8d44\u6599\u6b63\u786e\uff0c\u6a21\u578b\u4ecd\u53ef\u80fd\u5bf9\u4e2a\u4f53\u5224\u65ad\u5931\u51c6\uff0c\u56e0\u4e3a\u6982\u7387\u4ece\u6765\u4e0d\u80fd\u4fdd\u8bc1\u4e2a\u4eba\u7ed3\u679c\u3002<\/p>\n<p>\u300aPrivacy Act 1988\u300b\u8981\u6c42credit provider\u91c7\u53d6\u5408\u7406\u6b65\u9aa4\uff0c\u786e\u4fdd\u6240\u4f7f\u7528\u7684credit eligibility information\u5c31\u7528\u9014\u800c\u8a00\u51c6\u786e\u3001\u6700\u65b0\u3001\u5b8c\u6574\u4e14\u76f8\u5173\u3002\u82e5\u4fe1\u7528\u7533\u8bf7\u7684\u62d2\u7edd\u5168\u90e8\u6216\u90e8\u5206\u57fa\u4e8ecredit reporting body\u63d0\u4f9b\u7684\u76f8\u5173\u8d44\u6599\uff0c\u8d37\u6b3e\u4eba\u8fd8\u5fc5\u987b\u5728\u5408\u7406\u65f6\u95f4\u5185\u53d1\u51fa\u4e66\u9762\u901a\u77e5\uff0c\u8bf4\u660e\u8fd9\u4e00\u70b9\u5e76\u63d0\u4f9b\u8be5\u673a\u6784\u7684\u8054\u7cfb\u65b9\u5f0f\u3002<a href=\"https:\/\/www.legislation.gov.au\/C2004A03712\/latest\/text\" target=\"_blank\" rel=\"noopener\">Federal Register of Legislation\uff1a\u300aPrivacy Act 1988, Part IIIA\u300b<\/a><\/p>\n<p>\u8fd9\u9879\u901a\u77e5\u6ca1\u6709\u8981\u6c42\u8d37\u6b3e\u4eba\u516c\u5f00\u5168\u90e8\u5546\u4e1a\u6a21\u578b\uff0c\u5374\u81f3\u5c11\u8ba9\u7533\u8bf7\u4eba\u77e5\u9053\u5e94\u8be5\u4ece\u54ea\u91cc\u68c0\u67e5\u8d44\u6599\u3002<\/p>\n<h2>\u516d\u3001\u5982\u679c\u6570\u5b57\u9519\u4e86\uff0c\u600e\u6837\u7ea0\u6b63\uff1f<\/h2>\n<p>\u6fb3\u5927\u5229\u4e9a\u4fe1\u7528\u62a5\u544a\u5236\u5ea6\u63d0\u4f9b\u4e86\u4e00\u7ec4\u76f8\u5bf9\u5177\u4f53\u7684\u8d44\u6599\u6743\u5229\u3002<\/p>\n<p>Credit reporting body\u5fc5\u987b\u6bcf\u4e09\u4e2a\u6708\u514d\u8d39\u63d0\u4f9b\u4e00\u6b21consumer credit report\uff1b\u5982\u679c\u4e2a\u4eba\u5728\u6b64\u524d90\u5929\u88ab\u62d2\u7edd\u4fe1\u7528\uff0c\u6216\u8005\u5176credit-related personal information\u521a\u88ab\u66f4\u6b63\uff0c\u4e5f\u53ef\u4ee5\u514d\u8d39\u7d22\u53d6\u3002<a href=\"https:\/\/www.oaic.gov.au\/privacy\/your-privacy-rights\/credit-reporting\/access-your-credit-report\" target=\"_blank\" rel=\"noopener\">OAIC\uff1a\u300aAccess your credit report\u300b<\/a><\/p>\n<p>\u53d1\u73b0\u9519\u8bef\u540e\uff0c\u4e2a\u4eba\u53ef\u4ee5\u5411\u76f8\u5173\u8d37\u6b3e\u4eba\u6216credit reporting body\u63d0\u51fa\u66f4\u6b63\u3002OAIC\u628a\u5236\u5ea6\u79f0\u4e3a\u201cno wrong door\u201d\uff1a\u6536\u5230\u8bf7\u6c42\u7684\u4e00\u65b9\u5982\u679c\u4e0d\u80fd\u5355\u72ec\u5904\u7406\uff0c\u9700\u8981\u4e0e\u5176\u4ed6\u76f8\u5173\u673a\u6784\u534f\u4f5c\u3002\u82e5\u786e\u8ba4\u8d44\u6599\u9519\u8bef\uff0c\u901a\u5e38\u5e94\u572830\u5929\u5185\u6216\u53cc\u65b9\u540c\u610f\u7684\u66f4\u957f\u671f\u9650\u5185\u91c7\u53d6\u5408\u7406\u6b65\u9aa4\u66f4\u6b63\uff0c\u5e76\u901a\u77e5\u4e2a\u4eba\uff1b\u82e5\u62d2\u7edd\u66f4\u6b63\uff0c\u5fc5\u987b\u4e66\u9762\u8bf4\u660e\u7406\u7531\u4ee5\u53ca\u5916\u90e8\u4e89\u8bae\u89e3\u51b3\u6216\u6295\u8bc9\u6e20\u9053\u3002<a href=\"https:\/\/www.oaic.gov.au\/privacy\/your-privacy-rights\/credit-reporting\/correct-your-credit-report\" target=\"_blank\" rel=\"noopener\">OAIC\uff1a\u300aCorrect your credit report\u300b<\/a><\/p>\n<p>\u4f46\u8d44\u6599\u66f4\u6b63\u53ea\u89e3\u51b3\u7b2c\u4e00\u5c42\u95ee\u9898\u3002\u62a5\u544a\u5b8c\u5168\u6b63\u786e\uff0c\u8d37\u6b3e\u4eba\u4ecd\u53ef\u80fd\u62d2\u7edd\u7533\u8bf7\u3002\u6b64\u65f6\u7533\u8bf7\u4eba\u9700\u8981\u77e5\u9053\u51b3\u5b9a\u662f\u5426\u57fa\u4e8e\u8d1f\u62c5\u80fd\u529b\u3001\u5185\u90e8\u98ce\u9669\u653f\u7b56\u6216\u4e0d\u5f53\u5904\u7406\uff0c\u5e76\u901a\u8fc7\u8d37\u6b3e\u4eba\u7684internal dispute resolution\u3001\u9002\u7528\u7684external dispute resolution\u6216\u76d1\u7ba1\u6295\u8bc9\u6e20\u9053\u5904\u7406\u3002<\/p>\n<p>\u771f\u6b63\u6709\u6548\u7684\u590d\u6838\u4e0d\u80fd\u53ea\u662f\u628a\u76f8\u540c\u8d44\u6599\u518d\u6b21\u9001\u8fdb\u76f8\u540c\u6a21\u578b\u3002\u5b83\u81f3\u5c11\u9700\u8981\u6709\u4eba\u6709\u6743\u68c0\u67e5\u8d44\u6599\u6765\u6e90\u3001\u9002\u7528\u89c4\u5219\u548c\u4e2a\u6848\u8bc1\u636e\uff0c\u5e76\u533a\u5206\u201c\u6a21\u578b\u8ba4\u4e3a\u98ce\u9669\u8f83\u9ad8\u201d\u4e0e\u201c\u6cd5\u5f8b\u6216\u4ea7\u54c1\u653f\u7b56\u5fc5\u987b\u62d2\u7edd\u201d\u3002<\/p>\n<h2>\u7ed3\u8bba\uff1a\u4fe1\u7528\u5206\u65e2\u9884\u6d4b\u673a\u4f1a\uff0c\u4e5f\u5206\u914d\u4ea7\u751f\u4fe1\u7528\u8bb0\u5f55\u7684\u673a\u4f1a<\/h2>\n<p>\u91d1\u878d\u673a\u6784\u4e0d\u80fd\u5728\u6ca1\u6709\u98ce\u9669\u5224\u65ad\u7684\u60c5\u51b5\u4e0b\u653e\u8d37\u3002\u5ffd\u7565\u8fd8\u6b3e\u5386\u53f2\u4f1a\u628a\u635f\u5931\u8f6c\u79fb\u7ed9\u5176\u4ed6\u501f\u6b3e\u4eba\u3001\u5b58\u6b3e\u4eba\u548c\u793e\u4f1a\uff1b\u8d1f\u8d23\u4efb\u7684\u8d37\u6b3e\u4e5f\u8981\u6c42\u907f\u514d\u5411\u65e0\u529b\u627f\u62c5\u7684\u4eba\u63d0\u4f9b\u4e0d\u5408\u9002\u4ea7\u54c1\u3002<\/p>\n<p>\u56e0\u6b64\uff0c\u95ee\u9898\u4e0d\u662f\u8981\u4e0d\u8981\u9884\u6d4b\uff0c\u800c\u662f\u9884\u6d4b\u53d6\u5f97\u591a\u5927\u7684\u51b3\u5b9a\u6743\u3002<\/p>\n<p>\u4fe1\u7528\u5206\u9002\u5408\u6210\u4e3a\u98ce\u9669\u8bc1\u636e\uff0c\u5374\u4e0d\u5e94\u88ab\u8bef\u8ba4\u4e3a\u4e00\u4e2a\u4eba\u7684\u8d22\u52a1\u54c1\u683c\u3002\u5b83\u6ca1\u6709\u76f4\u63a5\u6d4b\u91cf\u5168\u90e8\u6536\u5165\u538b\u529b\u3001\u672a\u6765\u53d8\u5316\u548c\u4f7f\u7528\u8d37\u6b3e\u7684\u76ee\u7684\uff0c\u4e5f\u53ef\u80fd\u628a\u8d44\u6599\u7f3a\u5c11\u3001\u8fc7\u53bb\u7684\u4e0d\u5229\u5904\u5883\u548c\u771f\u6b63\u8fdd\u7ea6\u98ce\u9669\u538b\u7f29\u6210\u76f8\u4f3c\u7ed3\u679c\u3002<\/p>\n<p>\u6700\u5173\u952e\u7684\u5224\u65ad\u662f\uff1a<\/p>\n<blockquote>\n<p>\u5f53\u4fe1\u7528\u5206\u51b3\u5b9a\u8c01\u80fd\u83b7\u5f97\u4fe1\u7528\u65f6\uff0c\u5b83\u4e5f\u5728\u51b3\u5b9a\u8c01\u6709\u673a\u4f1a\u4ea7\u751f\u4e0b\u4e00\u4efd\u826f\u597d\u4fe1\u7528\u8bb0\u5f55\u3002<\/p>\n<\/blockquote>\n<p>\u6b63\u56e0\u4e3a\u9884\u6d4b\u4f1a\u53c2\u4e0e\u5851\u9020\u672a\u6765\uff0c\u5236\u5ea6\u5fc5\u987b\u8ba9\u7533\u8bf7\u4eba\u77e5\u9053\u8d44\u6599\u6765\u81ea\u54ea\u91cc\u3001\u62d2\u7edd\u4e0e\u4fe1\u7528\u62a5\u544a\u6709\u4ec0\u4e48\u5173\u7cfb\u3001\u9519\u8bef\u5982\u4f55\u66f4\u6b63\uff0c\u5e76\u4e3a\u4e0d\u80fd\u7531\u5206\u6570\u89e3\u91ca\u7684\u4e2a\u6848\u4fdd\u7559\u771f\u6b63\u7684\u4eba\u5de5\u590d\u6838\u3002<\/p>\n<p>\u6570\u5b57\u53ef\u4ee5\u5e2e\u52a9\u8d37\u6b3e\u4eba\u7ba1\u7406\u98ce\u9669\uff0c\u4f46\u4e0d\u80fd\u8ba9\u201c\u7cfb\u7edf\u9884\u6d4b\u4f60\u53ef\u80fd\u5931\u8d25\u201d\u53d8\u6210\u201c\u4f60\u6c38\u8fdc\u6ca1\u6709\u673a\u4f1a\u8bc1\u660e\u7cfb\u7edf\u9519\u4e86\u201d\u3002<\/p>\n<h3>\u4e3b\u8981\u8d44\u6599<\/h3>\n<ul>\n<li><a href=\"https:\/\/www.oaic.gov.au\/privacy\/your-privacy-rights\/credit-reporting\/access-your-credit-report\" target=\"_blank\" rel=\"noopener\">OAIC\uff1aAccess your credit report<\/a><\/li>\n<li><a href=\"https:\/\/www.oaic.gov.au\/privacy\/your-privacy-rights\/credit-reporting\/correct-your-credit-report\" target=\"_blank\" rel=\"noopener\">OAIC\uff1aCorrect your credit report<\/a><\/li>\n<li><a href=\"https:\/\/www.oaic.gov.au\/privacy\/your-privacy-rights\/credit-reporting\/make-a-credit-reporting-complaint\" target=\"_blank\" rel=\"noopener\">OAIC\uff1aMake a credit reporting complaint<\/a><\/li>\n<li><a href=\"https:\/\/www.legislation.gov.au\/C2004A03712\/latest\/text\" target=\"_blank\" rel=\"noopener\">Federal Register of Legislation\uff1aPrivacy Act 1988<\/a><\/li>\n<li><a href=\"https:\/\/www.legislation.gov.au\/F2025L00385\/latest\/text\" target=\"_blank\" rel=\"noopener\">Federal Register of Legislation\uff1aPrivacy (Credit Reporting) Code 2025<\/a><\/li>\n<li><a href=\"https:\/\/asic.gov.au\/regulatory-resources\/credit\/responsible-lending\/\" target=\"_blank\" rel=\"noopener\">ASIC\uff1aResponsible lending<\/a><\/li>\n<\/ul>\n<p>","protected":false},"excerpt":{"rendered":"","protected":false},"author":17897162,"featured_media":0,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":true,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_geoff_meta_description_en":"Explains how credit scores predict repayment risk yet, once used for approvals, can deny people the chance to build a record, raising fairness 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