Placing a ban on Your Experian Credit Report
Controlling your personal information
Your Experian Credit Report is designed to give your lenders and utility providers much of the information they need to consider when making a decision when you apply for credit.
However, if you’ve been the victim of fraud, or if you’re concerned that you are likely to be a victim of fraud , you can ask us to place a temporary ban on your credit report so that your credit report and any personal information in it isn’t used or disclosed by the bureau in the ban period.
What happens during a credit report ban?
During a ban, we won’t use or disclose any information from your credit report, and we’ll send you an updated copy of your credit report to show that there’s a ban in place.
If any credit provider gets in touch with us and asks for a copy of your credit report, we’ll let them know that there’s a ban in place. This will ensure that they’re aware and alerted to the potential fraud risk on your account.
How long will the ban last for?
A ban period lasts for 21 days after the date you make the request unless it needs to be extended to allow more time for the allegation of fraud to be investigated. Before the end of this initial period, we’ll get in touch with you to confirm what you need to provide us with in order to support your allegation of fraud.
If you don’t provide us with this information, we’ll remove the ban at the end of the 21 days.
If after this initial ban you’re still concerned about fraud, you can get in touch with us by email to request that the ban be extended, including the term ‘ban extension’ in the subject line of your email. In this case, we will extend the ban period where we believe that you are or likely have been a victim of fraud. If we extend the ban period, we’ll give you written notice about the time we’ve extended it to.
It’s free to request a ban and any subsequent extensions, and there’s no limit to the number of times a ban can be extended.
Will I need to provide Experian with any evidence of fraud?
When you get in touch with us to ask us to place a ban on your credit report, we might ask you for information about why you think you’ve been, or are likely to be, the victim of fraud. However we won’t need you to prove that you’ve actually been the victim of fraud in order to place an initial ban.
How do I request a ban to be placed on my Experian Credit Report?
In order to request a ban to be placed on your Experian Credit Report, you must be:
- A current Australian resident or citizen or;
- A previous Australian resident or citizen and;
- Able to provide high quality, clear and legible copies of the following forms
- At least 1 document from Group A, plus
- EITHER 1 document from Group B and 1 document from Group C OR 3 documents from group C
- Driver's Licence issued by an Australian State or Territory
- Birth Card issued by and Australian Registrar of Births, Deaths and Marriages (this is not a Birth Certificate)
- Roads and Maritime Services (formerly RTA) photo card
- Licence or permit issued under a law of the Commonwealth, a State or Territory Government (e.g. boat licence)
- Proof of Age Card (Government issued)
- Working with Children/Teacher's Registration Card
- Public Employee Photo ID (Government issued)
- Identification card issued by the Commonwealth, a State or Territory Government as evidence of your entitlement to financial benefits
- Medicare card issued by Health Insurance Commission
- Centrelink card issued by Centrelink
- Department of Veteran's Affairs card issued by DVA
- Credit card or Account card issued by a financial institution in Australia
- Foreign/International Driver's Licence
- Australian Tertiary Education Institution Photo ID
- Motor Vehicle Registration or insurance papers
- Property rates notice
- Home insurance papers
- Property lease agreement
- Utility bills (e.g. phone, electricity or gas)
- Bank or credit card statements showing your current residential address
At least one of these forms of identification must show your current or last known Australian home address.
You can get in touch with us by email to request the ban, with the term ‘add ban’ in the subject line of your email. Please also include a contact phone number and scanned copies of your ID (in PDF, .jpg, .jpeg, .png or .gif format and no larger than 2Mb in size).
Alternatively you can post your request and your ID to:
Experian Australia Credit Services Pty Ltd,
Att: Consumer Support Team,
GPO Box 1969,
North Sydney NSW 2060
Will being the victim of fraud affect my ability to access credit?
If we’re satisfied that you’ve been the victim of fraud, we’ll remove the fraudulent information on your report. We’ll get in touch with you to let you know we’ve destroyed this information, and will also advise the credit provider who gave us the information. If any other person or organisation was given access to your credit report while it contained fraudulent information, we’ll also notify them to ensure that they do not pass it on to third parties.
Can I still apply for credit during the ban?
As we won’t provide your credit report or pass on any your personal information during the ban, it might be more difficult for you to apply for credit. While this doesn’t mean you can’t apply for credit, the credit provider might need to get in touch with you directly for more information.
Read our Experian Credit Report FAQs for more information.