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Important changes to the Privacy Code - Comprehensive Reporting

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Important changes to the Privacy Code - Comprehensive Reporting HomeWell-nighUs FAQs Contact Us Retailer Login   Apply online for a personal loan or undeniability us on 0800 299 399 Personal Finance Loan CalculatorPersonal Loans Secured Personal LoansUnsecured Personal LoansCredit CriteriaPolicy Documents Debt ConsolidationHolidayHome ImprovementLife EventsMarinePayment Protection Insurance (PPI)Policy DocumentsPersonal Loan Rates and Fees Car Finance Loan CalculatorCar ownership tipsPolicy DocumentsCar Loan Rates and Fees Retail Finance Loan CalculatorList of RetailersMonthly SpecialsTxt XpressConsumer Protection Insurance (CPI)Policy DocumentsRetail Finance Rates and Fees Business Finance Loan CalculatorBusiness Products RentalsLoans Business Finance RetailersKey Person Payment Protection (KPPP)Policy DocumentsBusiness Finance Rates and Fees eMoneyActivate Finance NowVellumFinance Now CardFinance NowVellumFAQs Contact Us Contact UsHow to get in touch with usStore finder   Retailer Login   Search Apply online for a personal loan or undeniability us on 0800 299 399 Personal FinanceCar FinanceRetail FinanceActivateVellumUnderstand your rights Privacy PoliciesT&C’sDisclosure statementComprehensive reportingBanking OmbudsmenUseful links Brochures Responsible Lending Guide FAQs Understand your rights::Comprehensive reporting Changes to the Privacy Reporting Code - Comprehensive ReportingAs you may be aware, recent changes to the Credit Reporting Privacy Code 2004 midpoint that unrepealable organisations like banks, finance companies, telecommunications and energy providers and insurers may, from 1 April 2012, report spare information well-nigh your credit history to credit reporters, and wangle such information from credit reporters to squire with determining your creditworthiness.What this ways for you Up until 1 April 2012, these kinds of organisations have accessed information from creditor reporters well-nigh things like the number of credit enquiries you have made, payment defaults, magistrate judgements and insolvency, when assessing your finance application. The new changes midpoint these organisations can wangle spare information to assess your creditworthiness, such as:The type of credit account(s) you hold (i.e. credit card, home loan etc);The value of credit extended to you (i.e. the limit);Your repayment history including whether payments were made on time;The status of worth (with stage the worth was opened /closed); andDetails of the credit provider. Following receipt of this letter, Finance Now, as a credit provider, may supply this spare information, including information well-nigh your repayment history, to credit reporters on a monthly basis, who will use this information to form part of your individual credit report. Your repayment history includes both positive and negative information well-nigh your repayments, including details such as whether you have missed any payments on your loan(s) with Finance Now. Finance Now will not supply to credit reporters any repayment history which predates this letter.Comprehensive information well-nigh what these changes midpoint for consumers can be found at the website of the Privacy Commissioner at www.privacy.org.nz.Finance Now’s Privacy Act declaration which you have previously entered into has been updated to reflect these recent changes and can be viewed here. This declaration applies to you, and to all customers who have an worth with Finance Now, and it forms part of the terms and conditions on which you stipulate to protract stuff a consumer of Finance Now. This declaration authorises Finance Now to report your repayment history information to, and wangle such information from, creditor reporters. If you have any questions, please contact us immediately on 0800 40 50 70.  Understand your rights Privacy PoliciesT&C’sDisclosure statementComprehensive reportingBanking OmbudsmenUseful links   Loans Personal LoansSecured LoansUnsecured LoansDebt Consolidation LoansMarine LoansHome Improvement LoansHoliday LoansPayment Protection Insurance (PPI)Apply for a Personal Loan Car Loans Car ownership tips Other Loans Home LoansRural Lending Retail Finance List of Finance Now RetailersConsumer Protection Insurance (CPI)Apply for Retail store pre-approval Insurance Payment Protection Insurance (PPI)Consumer Protection Insurance (CPI)Business Finance Key Person Payment Protection (KPPP)Life InsuranceFSF Insurance Guide Self Service eMoney - Manage your finances 24/7Txt Xpress - Fast pre-approval by mobile Finance NowVellumActivate my cardFinance NowVellumFAQs Business Finance Business Rental ProductsBusiness Loan ProductsDeferred Business Rental ProductsDeferred Business Loan ProductsList of Business Finance RetailersApply for Business FinanceWell-nighus Contact usTestimonialsOur ValuesIn the CommunityCompetition WinnersTV ads Loan Calculators Personal Loan CalculatorRetail Store Loan CalculatorBusiness Finance Loan CalculatorRates and Fees Understanding your rights Terms & Conditions BookletBusinesss Finance Terms & ConditionsQFE Disclosure StatementResponsible Lending GuidePrivacy PoliciesComprehensive reportingBanking OmbudsmenUseful linksFAQsRates and FeesSecured Loan Agreement Disclosure StatementFSF Insurance Guide   © Finance Now Limited . 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