I want to dispute a listing on my credit file
Disagree with something on your report? You can challenge it through a free process.
This guide helps you
- Identify which listing you are disputing and why
- Prepare evidence to support your case
- Lodge a dispute with the bureau or credit provider
- Escalate to AFCA for free if you are not satisfied
- Keep good records throughout
6 min
What's happening
If you believe a listing on your credit report is wrong, you can dispute it. This applies to defaults, enquiries, repayment history, account details and personal information. The dispute process is free, whether you raise it with the credit reporting body or the credit provider that supplied the data.
Your first steps
- Get your report and pinpoint the exact entry in question.
- Be clear on why it is wrong, for example incorrect, out of date, or not yours.
- Gather evidence such as statements, receipts or letters.
Step by step
- Contact the bureau or the credit provider and state that you are disputing the listing.
- Set out clearly what is wrong and attach your evidence.
- Keep a dated copy of everything.
- They generally must investigate within a set timeframe and respond with a decision and reasons.
- If you disagree with the outcome, lodge a free complaint with AFCA.
Watch out for
You cannot dispute away accurate information simply because it is inconvenient. A dispute works where information is genuinely wrong, out of date or improperly listed. Avoid paid firms that offer to 'dispute' on your behalf for a fee, as the same free process is open to you directly.
Where to get free help
A financial counsellor on the National Debt Helpline (1800 007 007) can help you frame a dispute for free. AFCA handles unresolved disputes at no cost. The directory of bodies lists who to contact.
Key takeaways
- You can dispute any listing you believe is wrong, for free.
- Raise it with the bureau or the provider, with clear evidence.
- They generally must investigate within a set timeframe.
- Unresolved disputes go to AFCA at no cost.
Frequently asked questions
Can I dispute accurate information?
No. Disputes succeed where information is wrong, out of date or improperly listed. Accurate entries generally cannot be removed just because you would prefer they were gone.
How long does a dispute take?
There is a set timeframe for investigation, often around 30 days, though it can vary. Check the current rules. They must give you a decision and reasons.
What if I am not happy with the result?
You can take an unresolved dispute to AFCA for free, and a financial counsellor can help you do so.
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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