A new law that allows oustanding fines to be included on people's credit reports is being welcomed by a credit bureau and a budgeting service.
The new law comes into effect on 13 February and means those with overdue fines or reparation could be declined credit.
Managing director of credit bureau Veda, John Robertson, says the change should promote the prompt payment of fines.
He says people who owe money tend to owe it to more than one place, which is a signal to lenders about their credit risk.
The Federation of Family Budgeting Services also believes the new law is a good thing for consumers.
CEO Raewyn Fox says it will mean lenders can be "a lot more responsible and check thoroughly to make sure the borrower gets a product that is right for their needs".
She believes the change will ensure irresponsible lenders "stick out from the pack".