Harjinder Singh

The Privacy Act gives you the right to find out what’s in your credit report and change any incorrect information in your report. from www.shutterstock.com

May 16, 2019

Your credit report is a key part of your privacy – here’s how to find and check it

Harjinder Singh, Curtin University; Nigar Sultana, Curtin University, and Yeut Hong Tham, Curtin University

Checking your credit report is a good way to ensure that incorrect information is not listed against you, and can protect you against identity theft.

Businesses are structuring their lending practices to exploit loopholes in consumer credit laws. Shutterstock

April 12, 2019

Four common debt traps: payday loans, consumer leases, blackmail securities and credit ‘management’

Saurav Dutta, Curtin University; Harjinder Singh, Curtin University, and Nigar Sultana, Curtin University

Here are the four common lending practices identified by the Australian inquiry into credit and financial services targeted at those at risk of financial hardship.

Zip Co’s ‘buy now pay later’ service is growing in popularity. But because its business model avoids the responsible lending requirements, consumer advocates are worried. Wikimedia

March 8, 2019

How Zip Pay works, and why the extra cost of ‘buy now, pay later’ is still enticing

Saurav Dutta, Curtin University; Harjinder Singh, Curtin University, and Nigar Sultana, Curtin University

Easy credit services like Zip trade on the individual’s belief that their income rise in the future.

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Your credit report is a key part of your privacy – here’s how to find and check it

Four common debt traps: payday loans, consumer leases, blackmail securities and credit ‘management’

How Zip Pay works, and why the extra cost of ‘buy now, pay later’ is still enticing

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