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How to dodge Identity Theft

Checking your credit report can often be a useful way to help monitor fraud, by ensuring that you recognise the entries recorded in your name. However, as fraudsters diversify their methods and disguise this in many different ways, it is important to be aware of these tactics to reduce the possibility of being the victim of these criminals.

Cybercrime can start by a fraudster soliciting information from email, social networking, web sites, apps and chat rooms, in order to gain details to a build a portfolio to commit further fraud. Where the victim is not a Commonwealth Government dept. or a Commonwealth Authority, the jurisdiction for the online fraud will be with the state or territory police in which this was committed. For frau .....

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Federal Senate passes new credit card surcharge laws

Credit cards may no longer be subject to excessive surcharging, following new legislation passed by the Federal Senate to clamp down on the issue. But fears still remain that as opposed to saving Australian consumers, it could have the opposite effect.

The legislation passed by the Senate gives Australian Competition and Consumer Commission (ACCC) the ability to fine companies who place surcharges of up to 1000% above the real cost of processing credit card payments, according to figures confirmed by the consumer group Choice.

Tom Godfrey from the consumer group Choice, commenting on the legislation being passed, says, “We are delighted that the ACCC has finally been given the power to investigate if a surcharge is fair and .....

15 Apr 2016 by

Ben Tumilty

 in 

Banking

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Comprehensive Credit Reporting – a big change to Australia’s credit industry

It’s been nearly two years since a ground breaking change was introduced to Australia’s credit reporting system – the introduction of payment history

15 Apr 2016 by

Ben Ryland

 in 

Credit Reports

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Help protect yourself from ID Fraud

Checking your credit report can often be a useful way to help monitor fraud, by ensuring that you recognise the entries recorded in your name

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Westpac to refund some credit card customers

Westpac has had to recently agree to refund a number of its credit card customers after not following industry guidelines re increasing customer’s credit card limits

23 Feb 2016 by

Ben Ryland

 in 

Personal Finance

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