There's a mistake on my credit report
Wrong information can cost you a loan. Here is how to get it corrected for free.
This guide helps you
- Identify what counts as an error on your credit report
- Gather the evidence you will need to support a correction
- Use the bureau's free correction process correctly
- Know your escalation path if the correction is refused
- Avoid paying a 'credit repair' firm for something you can do yourself
6 min
What's happening
Credit reports are compiled from data sent by lenders and other providers. Sometimes that data is wrong, out of date, or belongs to someone else. Common errors include a payment marked late when it was paid on time, a default you do not recognise, duplicate listings, or details mixed up with another person of a similar name.
You have the right to ask for incorrect information to be corrected, and this process is free. You do not need a paid service to do it.
Your first steps
Before lodging anything, get clear on exactly what is wrong.
- Get a copy of your report so you can point to the specific entry.
- Write down what the entry says and what it should say.
- Collect proof, such as bank statements, receipts, or letters showing the correct position.
Decide who to contact. You can raise a correction with the credit reporting body (the bureau) or directly with the credit provider that supplied the information.
Step by step
- Contact the bureau or the lender and ask for a correction in writing.
- Clearly describe the error and attach your evidence.
- Keep a dated copy of everything you send.
- They generally must investigate and respond within a set timeframe, often around 30 days, and consult each other if needed. Check the current rules for exact periods.
- If they agree, the entry is corrected and they should tell you. If they disagree, they must give reasons.
Watch out for
Be wary of paid 'credit repair' companies that promise to clean your file for a fee. Anything they can lawfully do, you can do yourself for free. They cannot remove accurate information, and some charge high fees for little benefit. Use the free correction process and free help first.
Where to get free help
If a correction is refused and you believe you are right, you can complain to the Australian Financial Complaints Authority (AFCA), which is free. A financial counsellor on the National Debt Helpline (1800 007 007) can guide you for free too. See the directory of bodies for contact points, or visit Merion Help for more guidance.
Key takeaways
- Correcting an error on your credit report is free.
- Raise it with the bureau or the lender, in writing, with evidence.
- They generally must investigate within a set timeframe.
- You do not need a paid credit repair firm to fix a genuine error.
Frequently asked questions
Who do I contact to fix an error?
You can contact either the credit reporting body that holds the report or the credit provider that supplied the information. They are required to work together to investigate.
How long does a correction take?
There is a set timeframe, often around 30 days, though it can vary. Check the current rules. If they need more time they should tell you why.
Can a correction be refused?
Yes, if the information is accurate they do not have to change it. If you disagree with the refusal you can complain to AFCA for free.
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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