Someone has used my identity to get credit
If a fraudster has opened credit in your name, act fast. Here are the steps to take.
This guide helps you
- Recognise the signs of credit-related identity theft
- Take immediate steps to limit further harm
- Place a ban period across the bureaus
- Have fraudulent listings corrected for free
- Find free support to recover
6 min
What's happening
Credit-related identity theft happens when someone uses your personal details to open accounts, borrow money, or run up debt in your name. Warning signs include enquiries or accounts on your credit report that you did not make, bills or letters for credit you never applied for, and contact from debt collectors about debts that are not yours.
Your first steps
- Get your credit report from all three bureaus to see the full picture.
- Note every entry that is not yours.
- Place a ban period with each bureau to stop further credit being opened.
Step by step
- Place a ban period across all three bureaus immediately.
- Report the fraud to the relevant authorities and your affected providers.
- Lodge free correction requests to remove the fraudulent listings, with supporting information.
- Keep detailed records of every contact and reference number.
- If a provider or bureau does not resolve it, complain to AFCA for free.
Watch out for
Act quickly, as delays let more damage accumulate. Be cautious of paid 'credit repair' firms offering to clean up after fraud; the ban process and free corrections are open to you directly at no cost. Make sure you place a ban with all three bureaus, not just one.
Where to get free help
Free identity theft support services exist to help you recover, and a financial counsellor on the National Debt Helpline (1800 007 007) can help with any resulting debt. Disputes go to AFCA for free. See the directory of bodies for the right organisations to contact.
Key takeaways
- Act fast: place a ban period across all three bureaus.
- Report the fraud and lodge free corrections for fraudulent listings.
- Keep detailed records of every step.
- Free support and free dispute paths cover this, so no paid firm is needed.
Frequently asked questions
What is the first thing to do?
Get your reports, then place a ban period with all three bureaus to stop further credit being opened in your name. Then report the fraud.
Will I have to pay the fraudulent debts?
Debts created by fraud are not legitimately yours. Lodge free corrections and disputes, and seek free help. Do not assume you must pay them.
Do I need a paid service to fix this?
No. The ban process, free corrections and AFCA disputes are all available to you directly at no cost, alongside free identity theft support.
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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