CreditSmart® Consumer Education
CreditSmart® is an ARCA Member supporter brand that provides a consumer perspective, messaging and collateral that are consistent, objective, and backed by a self-help, trusted information website.
CreditSmart® supports understanding and awareness around credit reporting and credit health more broadly, offering:
- A consistent voice for industry on credit reporting topics impacting Australian consumers
- Insights from industry experience on communicating with consumers
- Free resources for consumers to better understand their obligations & rights when it comes to their credit health
The CreditSmart® website covers various topics to help consumers take control of their credit health, including:
- Financial hardship Hub
- Comprehensive Credit Reporting
- Credit health basics
- Credit scores
- Credit Identity protection
- Buy Now Pay Later
CreditSmart’s® Financial hardship Hub
CreditSmart’s® Financial hardship Hub has been created to assist ARCA Members in supporting their customers’ understanding of financial hardship assistance and the impact of financial hardship on their credit report - providing Members and consumers with easy to understand and consistent information on:
- Financial hardship assistance
- Financial hardship arrangements and the impact of an arrangement on a credit report
- Where to go for help and support
- FAQ’s around financial hardship arrangements