Check the preconditions before listing a consumer default
Key facts
- Human involvement
- GreenLawyer review
- How AI is used
- From the account, the payment history and the notices sent, check each precondition for disclosing default information to a credit reporting body: the days overdue, the amount, the first notice requesting payment and the second notice of intention to disclose sent at least 30 days later, and flag any missing or late step and any hardship request or dispute on the file.
- What the lawyer must review
- The lawyer confirms the account is consumer credit to which the credit reporting rules apply, decides whether each notice met the requirements, and advises the client whether the listing may be made now, later or not at all.
- Written for / version
- US
Open a jurisdiction version of this task to see which instruments apply: US
Who does what
| Role | What they do |
|---|---|
| Assistance | From the account, the payment history and the notices sent, check each precondition for disclosing default information to a credit reporting body: the days overdue, the amount, the first notice requesting payment and the second notice of intention to disclose sent at least 30 days later, and flag any missing or late step and any hardship request or dispute on the file. |
| Lawyer | The lawyer confirms the account is consumer credit to which the credit reporting rules apply, decides whether each notice met the requirements, and advises the client whether the listing may be made now, later or not at all. |
Checklist
- Confirm the payment has been overdue at least 60 days and is $150 or more.
- Check the second notice was sent at least 30 days after the first and said the provider intends to disclose.
- Check the file for any open hardship request, dispute or external complaint before listing.
Sources
- OAIC — Repayment history and defaults · 2026-10-18
- OAIC — Privacy (Credit Reporting) Code 2025 · 2026-10-18
These are suggested working checks. Confirm the required checking with the responsible lawyer before work starts; the checking approach does not establish permission to use AI.