Why do I need a Credit Report?
A credit report is a means to assess whether someone has attempted to obtain credit in your name. A yearly credit report is also a way you may monitor your file to ensure no errors are on your report. Errors may look like enquiries organisations have made about your credit you can’t explain.
Please note: If you request your credit report, your current contact details will then become available to any lenders, creditors or debt collectors who check your report.
How do I obtain a Free Credit Report?
- Request a free credit report from ALL relevant agencies as some may gather credit information others have missed.
- The following links will take you to an application form for each of the Credit Reporting Agencies (CRA’s). You will be required to fill these out, provide ID information, and email all as attachments directly to the relevant agency (email addresses are listed on each form):
Please note: If this event only just happened, it is recommended that you wait a week before applying for the reports. If you would like help understanding the process or need assistance in obtaining or interpreting your credit report please contact IDCARE.
Under what circumstance will I need to pay for a Credit Report?
- Report your matter to police or to www.cyber.gov.au and notify your financial institution(s).
- Change passwords for all online accounts (especially your email accounts, banking & government agencies).
- Any fraudulent access to your file needs to be addressed, even enquiries that were not approved. Contact the organisation where the misuse has occurred to begin an investigation.
Please Note: There is no limit on how many free credit reports you may request each year through Experian.
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.
- The Services provide do not constitute legal advice. IDCARE recommends that you consult a solicitor in relation to your legal rights and obligations, including but not limited to your legal rights or obligations under Australian and international privacy and data protection laws.
- While every effort has been made to ensure the accuracy of the information in this product or service, to the maximum extent permitted by law all conditions, terms, representations, and warranties (in each case, whether express or implied) in connection with the provision of the Services which might otherwise be binding upon IDCARE are excluded.
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