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The Non-Borrower Credit Authorization Form is a critical document in the Australian credit application process when an individual who is not the primary borrower needs to authorize access to their credit information. This commonly occurs in situations involving guarantors, joint household members, or business partners whose credit history may be relevant to a credit assessment. The form ensures compliance with Australian privacy laws and credit reporting regulations, particularly the Privacy Act 1988 (Cth) and the Credit Reporting Privacy Code. It contains specific authorizations for credit checks, privacy consents, and clear declarations of the scope and purpose of the authorization. The document is designed to protect both the credit provider's interests and the non-borrower's privacy rights while facilitating necessary credit assessments.

1. Form Title and Date: Clear identification of the document as a Non-Borrower Credit Authorization Form with date field

2. Non-Borrower Information: Personal details of the non-borrower including full name, date of birth, current address, and contact information

3. Primary Borrower Information: Details of the primary borrower(s) whose credit application this authorization relates to

4. Credit Provider Information: Details of the credit provider who will be accessing the information

5. Purpose of Authorization: Clear statement of why the authorization is being sought and how it relates to the primary borrower's application

6. Scope of Authorization: Specific details of what information can be accessed, used, and disclosed

7. Privacy Statement: Mandatory privacy disclosures as required by the Privacy Act and Credit Reporting Privacy Code

8. Duration of Authorization: Period for which the authorization remains valid

9. Declaration and Signature: Non-borrower's acknowledgment and signature block with date