Fraud and your credit report

Last updated: 26 August 2019

On this page

  • Request a ban on your credit report if you suspect fraud
  • What happens during a ban period and when you can extend it

Under the consumer credit laws, if you’ve been or are likely to be the victim of fraud (including identity fraud), you may request a credit reporting body not to use or disclose the information in your consumer credit report.

We recommend that you make the request to all credit reporting bodies in case they maintain a consumer credit report on you.

Each credit reporting body will then place a ban period on your consumer credit report. The ban period will last for 21 days after you first make the request unless it is extended to allow for further investigation.

What happens during a ban period?

During the ban period, a credit reporting body mustn’t use or disclose your consumer credit report (or the information in the credit report). Except:

  • if you have consented, in writing, to the use or disclosure, or
  • Australian law or a court or tribunal order require the credit reporting body to use it

If a credit provider asks a credit reporting body for a copy of your consumer credit report during the ban period, the credit reporting body will tell them about the ban. This will alert the credit provider to the potential fraud.

While a ban period is in place it may be more difficult for you to apply for credit. For example, a credit provider may need to collect more personal information directly from you.

Can a ban period be extended?

If you're still concerned about fraud towards the end of the ban period you can request the credit reporting body to extend it.

A credit reporting body must also extend the ban period if it believes that you’ve been or are likely to be the victim of fraud. If they decide to extend the ban period, they must let you know in writing and tell you the length of the extension.

There is no limit on the number of times that a ban period can be extended.

Is there a charge?

Requesting a ban period, or an extension of a ban period, is free.

To find out what's on your credit report, ask for a copy of it

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