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The Credit Reporting Privacy Code (CRPC) was issued by the Privacy Commissioner Marie Shroff on 6 December 2004. It is one of several Codes of Practice issued by the Privacy Commissioner under section 46 of the Privacy Act. The Code has been amended 6 times, with a 7th amendment pending, with the amendments as follows: * Amendment No 1 – 1 April 2006 (now expired) * Amendment No 2 – 1 April 2006 * Amendment No 3 – 22 February 2010; * Amendment No 4 – 1 October 2011 and 1 April 2012 * Amendment No 5 – 1 December 2011 and 1 April 2012 * Amendment No 6 – 1 April 2012 The Code replaces the Privacy Act’s 12 Privacy Principles, with 12 Privacy Rules specifically customised for credit reporting matters. ==Summary of the Code== The Code regulates into law matters related to credit reporting. The Code is however only limited to credit reporters that actually sell credit information, so at current the Code only applies to 3 credit reporting firms, Veda Limited, Dun & Bradstreet Limited, and recent newcomer Centrix Group Limited. One of the most important aspects of the Code is that individuals now have the right to a free copy of their credit record. Not only that, individuals also have a right to a copy of all their Credit Information, which includes not only includes the normal credit record, but also other things such as a copy of your credit score, access log, and even the credit reporters internal file notes. Other things the Code covers is procedures to handle complaints, maintaining an access log to your credit record, maximum time frames to report bad debts, credit inquiries, etc., having adequate subscriber agreements, allowing certain inquiries to your credit record without a consent being required, prohibiting debt collection agencies from bad debt listing debts under their account, requiring credit suppression where a person is a victim of identity fraud, and most recently, allowing positive reporting. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Credit Reporting Privacy Code (New Zealand)」の詳細全文を読む スポンサード リンク
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