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Privacy Policy

Privacy & Credit Reporting Policy – Edit Credit

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This combined policy outlines how MCRH Pty Ltd (trading as Edit Credit) manages both your general personal information and your credit-related information. We comply with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and the Privacy (Credit Reporting) Code.

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Part A: General Privacy Policy
 

1. Information We Collect

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We collect information necessary to provide credit repair and debt management services.

  • Identity & Contact: Name, date of birth, address, and contact details.

  • Financial Data: Income, expenses, assets, liabilities, and bank statements.

  • Sensitive Information: With your explicit consent, we may collect information regarding health or financial hardship if relevant to a debt negotiation or credit correction.

  • Government Identifiers: We may view your Driver’s Licence or Passport for identity verification. We do not use these as our own internal account identifiers and securely destroy or de-identify this documentation once our engagement is finalised.
     

2. How We Use Your Information

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We use your data to:

  • Assess your eligibility for credit repair.

  • Liaise with lenders and credit reporting bodies (CRBs) on your behalf.

  • Comply with our legal obligations under our Australian Credit Licence (567810).

  • Improve our services and manage our relationship with you.
     

3. Disclosure and Overseas Storage We may disclose information to third parties as authorised by you in your Letter of Authority. This includes:

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  • Credit providers, lenders, mortgage brokers, and collection agencies.
     

  • Debt buyers, credit reporting bodies (CRBs), and regulators (such as ASIC).
     

  • Dispute resolution services (such as AFCA) and our professional advisors.
     

We currently store data within Australia; however, if we use cloud-based service providers located overseas, we take reasonable steps to ensure they comply with Australian privacy standards.
 

4. Notifiable Data Breaches

In the event of an "eligible data breach" that is likely to result in serious harm to you, we will notify you and the Office of the Australian Information Commissioner (OAIC) as soon as practicable, in accordance with the Notifiable Data Breaches (NDB) Scheme.

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Part B: Credit Reporting Policy

This section applies specifically to your "credit-related information," which includes your credit history, defaults, and repayment information.
 

5. Credit Information We Collect
As a credit repair specialist, we collect information from your credit report and information provided by your creditors. This includes:

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  • Types of credit accounts (consumer and commercial) you have held.

  • Directorship details and trade credit history (where relevant).

  • Default information, court proceedings, and credit enquiries.
     

6. Statement of Notifiable Matters
 

Under the Credit Reporting Code, you should be aware of the following:

  • CRB Information Handling: Credit Reporting Bodies may include information about your credit activities in reports provided to credit providers to assist them in assessing your creditworthiness. While Edit Credit primarily seeks the correction or removal of information, any updated information provided to a CRB may be reflected in your future credit reports.

  • Pre-screening: You have a right to request that CRBs do not use your credit reporting information for the purposes of "pre-screening" for direct marketing by credit providers.

  • Victim of Fraud: If you believe you are a victim of fraud (e.g., identity theft), you have the right to request that a CRB not use or disclose your credit reporting information for a "ban period."
     

7. Credit Reporting Bodies We Use
 

We typically deal with the following CRBs. You may contact them directly for their own privacy policies:

 

Part C: Your Rights and Complaints

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8. Access and Correction

You have the right to access the personal and credit information we hold about you. If you believe any information is inaccurate, out of date, or incomplete, please contact us. We will aim to respond to correction requests within 30 days.

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9. Complaints

If you have a privacy or credit reporting complaint, please contact our Compliance Officer at compliance@editcredit.com.au. We will acknowledge your complaint within 24 hours.

 

If we do not resolve your complaint to your satisfaction within 30 days, you may escalate the matter to our External Dispute Resolution scheme:

 

For further details on our licensing and dispute process, please refer to our Credit Guide.

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Contact Us

MCRH Pty Ltd (ABN 89 677 410 909)

Email: compliance@editcredit.com.au

Postal: PO Box 612, Albany Creek QLD 4035

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Effective Date: 5 February 2026

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