收到银行的信，原文在下面。大意是政府修改了有关Comprehensive Credit Reporting（CCR）的要求，从7月1日起实行。要求银行向政府报告贷款人或信用卡持有人的信用状况，包括正面与负面的，并提供最长24个月的历史记录。大家要注意了。。
Hi XXX,
We want to update you on a proposed legislative change that may affect you.
The Australian Government has proposed a change that mandates Comprehensive Credit Reporting (CCR) from 1 July 2018.
Also known as positive credit reporting, the proposed CCR legislation mandates the reporting of positive, as well as negative, credit history - from Australia's largest financial institutions.
What this means for you
Today your credit history includes credit enquiries (applications for consumer credit and credit contracts) and negative information (significantly overdue accounts including defaults and serious credit infringements, and public record information).
The proposed change means that additional information, including account open dates, credit limits and up to 24 months of repayment history, will be supplied to our three credit reporting bodies for all open consumer credit accounts.
Protecting your credit history
It's important to know that from April 2018, we’ll record your comprehensive credit information to comply with the changed legislation and report this to the credit reporting bodies from 1 July 2018.
This means it's now as important as ever to pay your bills on time, and if you do, this will appear favourably on your credit report.
Setting up automatic payments, such as Card Autopay, can take the hassle out of remembering to pay your bills on time and help you to keep your payments on track.
You can find out more about CCR at the Australian Retail Credit Association (ARCA) by visiting the CreditSmart website.
Regards
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bank of melbourne 也发了
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求大神解释下这代表啥。。。
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这代表你的开户时间，申请贷款和信用卡等情况和次数还有你还钱历史都被银行所获悉，他们能够更直观知道你的消费习惯和信用记录了
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我的理解是原来有3大信用机构，互不相通。而且只有credit enquiry的记录。现在是数据互通，信用卡最终额度，还款记录等等都会上报。对于申请贷款的人来说等于脱得更光了，稍微管理不善就会有污点。
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更难贷款了，以前一个人四五家银行分别有一套房，现在是很难了。
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Westpac也通知了
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就是要做老实人好人
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这意思是不是要办贷款赶紧办，7.1前还好办，过后就难了的意思？
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