My personal details are wrong on my credit file
Wrong name, address or date of birth can cause mix-ups. Here is how to correct them for free.
This guide helps you
- Identify which personal details are incorrect
- Understand why wrong details cause file mix-ups
- Gather documents that prove the correct information
- Lodge a free correction with the bureau
- Know how to escalate if it is not fixed
5 min
What's happening
Your credit report holds personal identifying details such as your name, date of birth, current and previous addresses, and sometimes employment information. If any of these are wrong, your file can be confused with someone else's, or information can be mismatched. Correcting personal details is part of the free correction process.
Your first steps
- Get your report and note exactly which details are wrong.
- Work out the correct information.
- Collect documents that prove it, such as identity or address documents.
Step by step
- Contact the bureau and explain which personal details need correcting.
- Provide the correct information and supporting documents.
- Keep a dated copy of your request.
- They generally must investigate and update your file within a set timeframe.
- Check your report afterwards to confirm the change was made.
Watch out for
Wrong personal details can be a sign your file has been mixed with another person's, or even of identity theft. Take incorrect details seriously rather than ignoring them. There is no fee to correct your own information, so do not pay a service for this.
Where to get free help
If a correction is not made, you can complain to AFCA for free, and a financial counsellor on the National Debt Helpline (1800 007 007) can assist. See Merion Help for guidance on the correction process.
Key takeaways
- Wrong personal details can cause your file to be mixed up.
- Correcting them is part of the free correction process.
- Provide proof and keep a copy of your request.
- Persistent wrong details may signal identity theft.
Frequently asked questions
Does it cost to fix my personal details?
No. Correcting your own personal information through the bureau is free. You do not need to pay a service.
Why do wrong details matter?
They can cause your file to be confused with someone else's, leading to information that is not yours, or they can be a sign of identity theft.
What if the bureau does not fix it?
You can lodge a free complaint with AFCA, and a financial counsellor can help you escalate.
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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