I want a ban placed on my credit file
If you suspect fraud, a ban period can stop new credit being opened in your name.
This guide helps you
- Understand what a credit ban period is
- Know when a ban is appropriate, such as suspected fraud
- Learn how to request a ban from the bureaus
- Understand how long a ban lasts and how to extend it
- Find free help if your identity has been misused
5 min
What's happening
A ban period (sometimes called a credit ban or freeze) tells the credit reporting bodies not to share your credit report while it is in place. This makes it much harder for someone to open credit in your name. It is a key tool if you believe you are, or may become, a victim of fraud or identity theft.
When to use one
- You suspect your identity has been stolen.
- Your wallet, documents or online accounts have been compromised.
- You see enquiries or accounts on your report that are not yours.
Step by step
- Contact each of the three bureaus and request a ban period.
- Verify your identity as they require.
- The ban applies for an initial period, generally around 21 days, which can be extended if you have reasonable grounds such as ongoing fraud. Check the current rules for exact timeframes.
- While the ban is in place, lenders generally cannot access your report, so plan around any genuine applications.
- Report the suspected fraud to the relevant authorities as well.
Watch out for
A ban can briefly affect your own legitimate credit applications, since lenders cannot see your file. Requesting a ban is free; you do not need a paid service for it. Remember to place a ban with all three bureaus, as one alone does not cover the others.
Where to get free help
If you are dealing with identity theft, free support is available, and a financial counsellor on the National Debt Helpline (1800 007 007) can help with any resulting debt. See the directory of bodies for the right organisations to contact.
Key takeaways
- A ban period stops your report being shared, blocking new credit in your name.
- Use it if you suspect fraud or identity theft.
- Request it free from all three bureaus.
- An initial ban is short but can be extended on reasonable grounds.
Frequently asked questions
How long does a ban period last?
Generally around 21 days initially, with the ability to extend it if you have reasonable grounds such as ongoing fraud. Check the current rules for exact timeframes.
Does a ban cost money?
No. Requesting a ban period from the bureaus is free. You do not need to pay a service to do it.
Will a ban stop me getting credit too?
While the ban is in place, lenders generally cannot access your report, so it can affect your own genuine applications. Plan around that.
This is general information, not legal or financial advice. Your situation is unique and rules can vary by state and over time — for advice on your circumstances, speak to a free financial counsellor (National Debt Helpline 1800 007 007) or get legal help.
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