Who is CreditSmart?

CreditSmart is an information website developed by credit experts to help consumers understand how credit reporting operates in Australia. It aims to help you understand how recent credit reporting reforms affect you, by providing information about the system that is unbiased and fair.

CreditSmart’s purpose is to empower you to understand how your credit choices affect the information that credit providers can access, and how you can view and control that information.

The CreditSmart website is owned by Arca (previously know as the Australian Retail Credit Association), which is the peak body for organisations involved in the disclosure, exchange and application of credit reporting data in Australia. Arca’s members are the most significant credit providers including the four major banks, credit reporting bodies (CRBs), specialist consumer finance companies, and marketplace lenders.