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): 
  1. Equifax (formerly Veda)
  2. illion (formerly Dun & Bradstreet)
  3. Centrix.

Please note: If a compromise 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? 
  • If you require an urgent credit report – this will incur a fee. Free credit reports may take up to 10 working days (illion and Centrix) and up to 20 working days with Equifax) 
  • If you have already obtained a report from the same credit reporting body within a twelve month period. 
  • Please note: If there is evidence of fraudulent activity on your record, you may be entitled to a free report more frequently than once a year. 
What if my identity has been compromised? 
  • If there is risk that your identity may be fraudulently used, or has already been used, it is recommended that a ban be placed on your credit file (see fact sheet – Suppressions New Zealand).
  • Report the matter to police or the ORB, 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. 

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Disclaimer © 2018 Copyright Identity Care Australia & New Zealand Ltd. While every effort has been made to ensure the accuracy of the information in this FACT SHEET, IDCARE disclaims any liability to any person in respect to any actions performed or not performed as a result of the contents of the alert or any accompanying data provided. Note our service is free to the community and our Counsellors will never ask you to provide your personal information and credentials if we make contact with you.

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Our Fact Sheets offer important information on how to prepare, prevent, detect and respond to Identity theft and other cyber related issues.
Credit Bans - Australia

When a ban is put in place it basically ‘freezes’ access to your credit file.

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Credit Reporting Agencies

A credit reporting agency is a private company that collects data and maintains historical information.

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Understanding Identity Theft

Identity theft is a type of fraud that involves the compromise of identifying information.

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CONTACT IDCARE

IDCARE is here to provide you with specialist support and guidance when faced with a cyber and  identity related issue. Contact one of our Identity & Cyber Security Counsellors to learn more about our Support Services and how we can help you.   

AUSTRALIA

1300 432 273
Mon - Fri : 8am - 5pm AEST

NEW ZEALAND

0800 201 415
Mon - Fri: 10am - 7pm NZST