| 1. | The current provisions of the code provide a framework for the sharing of consumer credit data in terms of account default , credit application , file activities and public record
守则目前的条文对共用帐户欠款、信贷申请、档案活动资料及公众记录等方面的个人信贷资料建亦了一个机制。 |
| 2. | In the case of application data , it can be retained for 90 days . they can also retain file activity data , meaning how many times that particular person s data file is hit , for 120 days
有关机构亦可保留档案活动资料（意思是某人的资料档案被取览的次数） ，保留期是一百二十日。 |
| 3. | Permit " credit application data " and " file activity data " within 2 years of creation date to be used for all credit reference purposes , and afterwards for credit scoring only
准许将由资料产生日期起计两年内的信贷申请资料和档案活动资料使用于所有与信贷有关的用途，但其后只准将有关资料使用于信贷评分 |
| 4. | Permit " credit application data " and " file activity data " within 2 years of creation date to be used for all credit reference purposes , and afterwards for credit scoring only
准许由信贷申请资料及档案活动资料产生日期起计两年内，将该等资料用于所有信贷资料服务的目的，但其后则只容许使用该等资料作信贷评分； |
| 5. | It is proposed to extend the period of retention of credit application data by a credit reference agency from 90 days to 5 years , and to extend the period for retention of file activity data from 12 months to 5 years
现建议将信贷资料服务机构所持有的信贷申请资料的保留期间，由90日延长至5年，以及将档案活动资料的保留期间，由12个月延长至5年。 |
| 6. | It is proposed to allow the release of file activity data by a credit reference agency to credit providers , and to prevent credit providers from accessing an individual s data held by a credit reference agency except where there is a relevant need to do so
此外，亦建议准钒h贷资料服务机构向信贷提供者发放档案活动资料，以及防止信贷提供者查侪h贷资料服务机构所持有的个别人士的资料，除非有适当的理由这样做。 |
