Frequently Asked Questions

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Mistakes in your Report

The information in my credit report is wrong. What do I do??

First, don’t panic! If you find an error on your credit report, it’s generally an easy fix. If you’d like to dispute some information or you think there is something wrong with your report, there are simple steps you can take to get these corrected with either Equifax or Experian.

Remember - it’s all in the details. Any false or incorrect information impacts your score, which can contribute to whether or not you might be accepted for credit in the future.

How to dispute credit report - Equifax

Equifax offers a free service investigating the accuracy of information on your Equifax credit report that is in dispute or you think needs correcting. There are two ways to contact them; online or via post.

The Equifax corrections portal can be found here: https://www.equifax.com.au/personal/corrections-portal. When submitting your corrections request, you will be asked to provide certain details about the information you are requesting to be updated. Some examples may include specific dates, account numbers etc. This will help support a basis for the dispute being queried.

Corrections by mail, send your request to:

Equifax - Public Access
Equifax Australia Information Services and Solutions Pty Ltd
GPO Box 964
North Sydney NSW 2059

The following identification details will be needed:

  • Name
  • DOB
  • Current Address
  • Previous Address
  • Driver Licence
  • Current Employment

You will also need to provide details of the correction, such as:

  • Details of the entry being disputed; including any account reference numbers and the name of the credit provider that listed it.
  • Reason for disputing the entry.
  • Any relevant supporting documentation.
How to dispute credit report - Experian

You can submit a request via email here: creditreport@au.experian.com. Experian will then contact the credit provider on your behalf. A resolution may take up to 30 days from the date all the data regarding the dispute is received. Some key details below for what’s needed to request a correction within your Experian report:

  • Your Experian Credit Report number and date of issue via Tippla
  • The exact piece of data being queried
  • What the error is and proof you may have
  • What the correct information should be

Corrections by mail, send your request to:For corrections by mail, send your request to:

Equifax - Public Access
Equifax Australia Information Services and Solutions Pty Ltd
GPO Box 964
North Sydney NSW 2059

How long will it take to update incorrect information on my report?

If either Equifax or Experian updates your credit information in response to your dispute, we’ll show this updated information when we next update your credit report. We update your credit report on a quarterly basis.

It is important to note that any issues/complaints you have about the data from Equifax and Experian in your report must go through the bureaus directly. This is because they provide us with your data. We never alter information we receive on you from either bureau and cannot make any changes to your credit file directly. We do however provide heaps of bite sized tips on what to look out for and our awesome online customer support team are on hand to help.

Want to know more?

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