Correct your credit report

Last updated: 26 August 2019

On this page

  • Who to ask to correct the information on your credit report
  • How your request must be handled

A credit reporting body must take reasonable steps to ensure that the information on your credit report is accurate, up to date, complete and for the use and disclosure of that information, relevant.

How to request a correction

If you’re concerned that the information in your credit report is incorrect, request a copy of your credit report to check its contents. Then contact either the relevant credit provider or any credit reporting body and request they correct your credit-related personal information.

How your request must be handled

If the credit provider or credit reporting body you asked to correct information is satisfied that the information is incorrect, then they must take reasonable steps to correct it within 30 days. They must also send a written notice about the correction to you, and any parties they have disclosed the information to, within a reasonable period.

If the credit provider or credit reporting body isn’t satisfied the information is incorrect, then they must write to you to explain their reasons and let you know that you can access an external dispute resolution scheme or make a complaint.

Is there a charge?

No.

If you’re not happy with a credit provider or credit reporting body’s response, you can lodge a complaint

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