56.13 A credit information file may contain information that is ‘reasonably necessary … to identify the individual’. Under s 18E(3), the Privacy Commissioner has determined that credit information files may contain: an individual’s full name, including any known aliases, sex, and date of birth; a maximum of three addresses consisting of a current or last known address and two immediately previous addresses; the name of the individual’s current or last known employer; and the individual’s driver’s licence number.
56.14 The identifying information included in credit information files is important as it affects the value of credit reporting information for non-credit related purposes, such as identity verification, and the accuracy of credit reporting because identifiers are used to match credit reporting records. These issues are discussed further in Chapters 57 and 58.
Privacy Act 1988 (Cth) s 18E(1)(a).
 Privacy Commissioner, Determination under the Privacy Act 1988: 1991 No 2 (s 18E(3)): Concerning Identifying Particulars Permitted to be Included in a Credit Information File, 11 September 1991.
 N Waters—Cyberspace Law and Policy Centre UNSW, Submission PR 277, 3 April 2007; Australian Privacy Foundation, Submission PR 275, 2 April 2007.