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IV you have misread my post. My logic is that finance grows, the improved cashflows leads to, Less bankruptcies, a more efficient economy The ability to cut overdrafts if the business wants to, they can still use other forms of credit to grow. As stated this will encourages the...

Bills will need to be payed on time, personal responsibility required. Absolute boon for small business, how many small businesses fail through poor cashflow leading to bankruptcy and employees losing their job. Overdrafts can be cut and improved cashflow will encourage expansion and...

So, I would take it that there are no mistakes and it would be a starting point for people to start educating themselves. Perhaps not a "Big Fail" after all. I think I will follow Kesses example, This will be my final response to this thread because I can't be stuffed arguing with...

So without reading it thoroughly or knowing the value of the site you rate it as a "Big Fail. That is the peak spin website." The hyperpole continues.

In the interest of educating us Plebs, perhaps you can point out all the errors in the information on this website? We all need to start somewhere in understanding the new system.

Moving on from the hyperbole the following site may answer some questions, AUSTRALIA IS BUILDING A CLEARER CREDIT HISTORY REPORTING SYSTEM http://creditsmart.org.au/