What does CRAA mean in AUSTRALIAN

The Credit Reference Association of Australia (CRAA) is a national organisation which provides credit information services to protect businesses and individuals in the lending and borrowing process. We provide credit reporting, credit scoring, risk assessment and data management services for lenders, borrowers and other companies across Australia.

CRAA helps those involved in the lending and borrowing process by keeping an accurate record of payments made on loan accounts. This allows us to assess each party’s credit history and decide whether to approve or reject applications. Ultimately, our goal is to promote responsibility in lending and borrowing activities.

We collect personal information from your application form and from members who report your payment performance to us as part of their obligations under Australian consumer credit laws. This information includes your name, address, Driver's License or other identifying documents, contact details as well as repayment history.

Yes - you can view your CRAA credit report by visiting our website at www.craa-au.com or by calling our customer service department on 13 55 64 (Mon – Fri 8am – 5pm AEST). You will need to provide some personal information before we can issue you with a copy of your report.

Yes - if we have received incorrect information about you through one of our members then we will investigate this further with them or remove it from your report upon request. If there are any changes that need to be made to an erroneous entry then they will be updated accordingly within 7 days after receiving your request via mail or email - if applicable.

Yes – our team are available via phone on 1300 55 64 (Mon – Fri 8am – 5pm AEST), chat online through our website or by [email protected] to answer any questions related to improving your credit rating such as how long overdue items remain on reports, what constitutes a negative mark etc…

Absolutely! We take security very seriously here at CRAA and we only store relevant private data in accordance with Australian privacy legislation such as the Privacy Amendment (Private Sector) Act 2000 (Cth). All the appropriate technical steps have been taken across all aspects of the system that contain confidential information in order to ensure its protection against unauthorised access.

By joining CRAA you get access to accurate up-to-date financial histories and insights into potential customers which helps you filter out poor prospects for loan applications without wasting time pursuing those likely fail acceptance criteria set by lenders.