Credit Rating

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[object Object],[object Object],[object Object],[object Object],“ Lugi wants to know if you the manager of the credit rating database, could fix a few minor details on his account”

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[object Object],[object Object],[object Object],[object Object],Commonwealth Bank To: Sally Ann Loan: $15, 000

LEGAL OBLIGATIONS <> Must secure database against unauthorised access, loss of data and misuse of data. If this occurs, the Privacy Commissioner (that regulates credit rating agencies) can give out penalties such as fines and criminal records. <> Not allowed to disclose personal information to either a person or organisation other than the individual who’s credit worthiness is measured and those who have received permission to access from the individual. CREDIT SCORE AGENCY “ Mr. Howard has a bad credit rating score – pass it on!”

[object Object],[object Object],ACCURATE CONFIDENTIAL

[object Object],How are Databases Involved in Credit Rating? What are the types of data stored about individuals in a credit rating ? Cassandra Cassandra Jhalak

[object Object],What are the legal responsibilities of those managing credit rating databases? Jhalak Sheenal

What are the ethical responsibilities of those managing credit rating databases? Sheenal

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