If you’ve been a victim of identity fraud, or believe you’re at risk, you can request a ban on your credit report.
To set up a ban on your credit report with the credit bureaus, you can contact them directly - Experian, Equifax and illion.
Once a ban is in place, it means that credit bureaus are unable to disclose any personal information from your credit report to credit providers. To gain access while there's a ban, you'd need to provide written consent, or it's required by law.
A credit ban doesn’t impact your current credit line or credit payments unless credit is due for renewal (e.g. a credit card is about to expire). You'll still be able to use any credit cards you currently hold and repay any existing loans.
A ban is initially valid for 21 days, but it’s possible to extend this if you’re at risk of becoming a victim of fraud. In most cases, you would need to show a police report number or an Australian Cyber Security number (ACSC) report number.
If you'd like to see your ClearScore credit report, you'll need to lift the credit ban by contacting the credit bureaus.
A credit ban doesn’t impact your current credit line or credit payments unless credit is due for renewal (e.g. a credit card is about to expire). You'll still be able to use any credit cards you currently hold and repay any existing loans.
A ban is initially valid for 21 days, but it’s possible to extend this if you’re at risk of becoming a victim of fraud. In most cases, you would need to show a police report number or an Australian Cyber Security number (ACSC) report number.
If you'd like to see your ClearScore credit report, you'll need to lift the credit ban by contacting the credit bureaus.
If you’d like more information on credit report bans, check out IDCARE’s Fact Sheet or call them on 1300 432 273.