When a ban is put in place it ‘freezes’ access to your credit file. This means that the Credit Reporting Agencies (CRAs) are not able to disclose any personal information from your consumer credit file to any credit providers unless you provide written consent for them to do so, or if they are required by law. A ban on your credit file does not impact your current credit line or credit payments unless credit is due for renewal (e.g. credit card about to expire). You will still be able to use any credit cards you currently hold and repay any existing loans.
You can apply for bans with all of the Australian CRAs by engaging just one credit reporting agency and requesting that they place bans with all CRAs if you agree to their terms and conditions.
A ban is initially valid for 21 days. An extension may be provided with evidence supporting that you are, or are at risk of becoming, a victim of fraud. In most cases this will require you to show that you have either a police report number or a www.cyber.gov.au report number. You can apply for a Ban Extension with one CRA and request they notify all other CRAs to extend your ban.
The length of time a ban may be extended varies between the Credit Reporting Agencies.
You can find more information in the following IDCARE Fact Sheets
For additional support or information, contact IDCARE by submitting a Get Help Form or call 1800 595 150 (Aus) or 0800 121 068 (NZ).
Identity Care Australia & New Zealand Ltd (IDCARE) provides identity and cyber security incident response services (the Services) in accordance with the following disclaimer of service:
IDCARE is Australia and New Zealand’s national identity and cyber incident community support service. We are a not-for-profit charity.
While every effort has been made to ensure the accuracy of the information in this alert, IDCARE disclaims any liability to any person in respect to any actions performed or not performed as a result of the contents of the the Services or any accompanying data provided. Wider dissemination may be permitted by authority in writing from IDCARE’s Managing Director. If you would like to provide feedback please use our Feedback Form.
IDCARE as a registered charity does not ask individuals to donate or pay for our front line services. We are not a charity that can receive tax deductible donations.
We rely on organisations that care enough about you to care about us to keep our charitable service going. Proudly these organisations are displayed above and on our Subscriber Organisations page.
If you are asked for payment from someone claiming to be from IDCARE, please report this to us using our Report Phishing email.
IDCARE has access to the Department of Social Services’ Free Interpreting Service, delivered by the Translating and Interpreting Service (TIS National). Access to the Free Interpreting Service is provided to assist you to communicate with non-English speaking people who hold a Medicare card. Please note that the service does not extend to New Zealand citizens or residents who do not hold an Australian Medicare card, or to tourists, overseas students or people on temporary work visas.
New Zealand Relay provides services to help Deaf, hearing impaired, speech impaired, Deafblind and standard phone users communicate with their peers.
A TTY user connects to New Zealand Relay via a toll-free number and types their conversation to a Relay Assistant (RA) who then reads out the typed message to a standard phone user (hearing person).
The RA relays the hearing person's spoken words by typing them back to the Textphone (TTY) User.
The National Relay Service (NRS) is an Australian government initiative that allows people who are deaf, hard of hearing and/or have a speech impairment to make and receive phone calls.
The NRS is available 24 hours a day, every day and relays more than a million calls each year throughout Australia.
ABN 84 164 038 966