Correcting Your Experian Credit Report
Stay in control of your personal information
Your Experian Credit Report tells you important things you need to know when accessing the financial services you need, so keeping it accurate and up-to-date is more than a service. It’s a responsibility.
To compile the information on your Experian Credit Report we rely on a range of sources including credit providers and public records. We partner with them to keep your details up-to-date. We take every precaution (including security and privacy measures) to make sure the information we share is correct, but sometimes errors can occur, for example, when information we’re given is not as accurate as it should be.
There are a couple of ways to correct the incorrect information on your Experian Credit Report.
1. Contact the organisation directly
Firstly, you can contact the relevant organisation directly
If the credit provider(s) agrees the information on your file is incorrect they must forward a request to us within 5 days to make the correction. Any credit provider must investigate any correction request you make. This applies even if the information wasn’t entered correctly by the credit provider. They must demonstrate to you how the information on your credit report is correct if they don’t agree to correct it.
If you’re not happy with the action taken by the credit provider, you can raise this with their External Dispute Resolution (EDR) scheme, or with the Office of the Australian Information Commissioner (OAIC).
2. Request for us to contact the credit provider
Alternatively, you can request for us to contact the credit provider on your behalf to have the information disputed
Please note that resolutions of disputes may take up to 30 days from the date all data regarding the dispute is received.
To request a correction on your Experian Credit Report, you must provide the following information:
- Your Experian Credit Report number and date of issue.You must request a copy of your Experian Credit Report here prior to lodging a correction request.
- The exact piece of data you’re disputing (as it is shown on your Experian Credit Report)
- What the error is and proof of the error such as a letter of evidence from the credit provider
- What you believe the correction should be
- Statutory declaration where the change is because of identity theft / fraud. It’s a good idea to include this in your request along with a police report if you have one
- If you don’t have an Experian Credit Report number, we need you to give us some information about who you are to access your report and verify incorrect data.
You will be required to provide a minimum of 100 Points of Identification (ID) and Proof of Address from the list below:
- Minimum of ONE (1) document from Group A AND
- Minimum of ONE (1) document from Group B AND / OR Group C
| Primary Group A | Points | Secondary Group B | Points | Secondary Group C | Points |
Driver licence issued by an Australian State or Territory |
40 |
Medicare card issued by Health Insurance Commission |
25 |
Utility bills (e.g. phone, electricity or gas) |
20 |
Roads and Maritime Services (Formerly RTA) photo card |
40 |
Credit card or debit card issued by a financial institution in Australia |
25 |
Australian Mortgage Document (current address) |
25 |
Proof of Age Card (Government issued) |
40 |
Australian Marriage Certificate (Australia Registry issue only) |
25 |
Property rates notice |
25 |
Government employee ID (Australian Federal / State Territory) |
40 |
Change of Name Certificate (Australian Registry only) |
25 |
Bank or credit card statements showing your current residential address |
25 |
Current Australian Tertiary Education Institution Photo ID |
40 |
Taxation Assessment Notice |
25 |
Property lease agreement |
25 |
Defence Force Identity Card (with photo) |
40 |
Centrelink card issued by Centrelink |
40 |
||
Foreign passport (current) |
70 |
Department of Veteran's Affairs card issued by DVA |
40 |
||
Australian passport (current) |
70 |
Working with Children / Teacher's Registration Card |
40 |
||
Full Birth Certificate (not a Birth Certificate extract) |
70 |
Due to the COVID-19 pandemic, our post channel for requesting a correction on your Experian Credit Report is currently unavailable until further notice. Please request corrections via email using the link above or call us on 1300 783 684 between 9:00am-5:00pm AEST Monday to Friday.
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