Fixing your Credit Report After Financial Abuse - Warning: This factsheet contains

If you do not recognise a credit enquiry on If you have left a relationship where you your credit report, you should check your experienced family violence, we recommend email inbox for any emails around that time obtaining a copy of your credit report from from that lender. [...] your credit report, such as: • Credit enquiries that you did not make; To do this, you should write to each credit • Loans in your name that you did not agree report provider and explain that you have to obtain or did not benefit you; experienced financial abuse and did not make those credit enquiries. [...] A If you find a credit product on your credit hardship arrangement can involve reduced report that you were not aware of, you should interest and fees, a change in payments, any contact the lender and ask for documents that arrears being recapitalised (added back) into you are entitled to under the National Credit the principal amount, a waiver of part of the Law, including a copy of the applicati. [...] If you did sign for a loan or credit card, but did not get any benefit from the funds, then you It is best to negotiate a hardship arrangement may be able to have the enquiry removed with your lender if you have missed a from your credit report, depending on the repayment on a loan. [...] You may wish to get advice from a financial If you have already had a default listed, you counsellor if you have a bankruptcy or debt may be able to negotiate for the default to be agreement on your credit report and you are removed if you have experienced financial making a new credit application.