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16 September 2005 |
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Under the new Code, Rule 5 (2) (i), we are obligated to maintain an access log. This means that for every enquiry made regarding consumer credit information, a log will be recorded with the following details: - Record of the time the access was made
- Date the access was made
- Subscriber purpose for accessing
- Identity of the specific user
We provide access to credit information about consumers under the grounds permitted under Rule 11 of the NZ Credit Reporting Privacy Code 2004. Each time you use our credit reporting service you need to confirm the purpose for which you are accessing the service, including confirming that you have authorisation where this is required in Rule 11. Confirmation will be by way of purpose codes. Examples of the new purpose codes are shown in the table below: Code | Long Description (max.100 characters) | Short Description(max.15 characters) | Consent Required? | C1 | Making a credit decision about consumer / directly related; access authorised by consumer | Credit Decision | Y | C2 | Credit decision about consumer / directly related; access authorised by consumer. Verification check | Credit Dec/Ver | Y |
One or more purpose codes will be allocated to you for your use when you enter into the new Agreement for Use of Our Information Services. If you are unsure about which purpose codes to use, you will need to liaise with us. For more detail (including a list of all available purpose codes), please refer to the NZ Bureau Reference Data Tables – External document.
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