What do I do if my identity has been stolen?

The first thing to do is to report the problem. If you believe that someone may have used your identity details to fraudulently obtain credit you should take the following steps and act immediately:

  • Request a copy of your credit report to check that the information relates to applications for credit that you have in fact made.
  • Contact any credit providers listed on your credit file to whom you have not applied for credit so that they can investigate and take appropriate and prompt action
  • Contact Equifax (and other credit reporting bodies) to put a ban on your consumer credit information. The initial ban period is for 21 days and can be extended. This can help prevent fraudulent accounts being opened in your name. The ban period means that if a credit provider requests your credit report as part of an assessment of a credit application Equifax cannot share it unless you have provided written consent or if it is required by law. You can find out how to put a ban on your credit report here.  
  • Contact the police and report the crime

When dealing with a possible identity theft it is important to keep records of the conversations you have and keep notes, including:

  • name/s of the individual
  • contact number
  • the date you spoke to an organisation
  • details of the conversation.

You should also ask questions to the people you speak to so you can understand the process. Each credit provider may have their own processes for handling fraud. Note these requirements so you can comply.

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To make sure you are accessing the right product, we need you to answer the following questions.

You can get a free copy of your personal Equifax credit report:

  • if you have been declined credit in the last 90 days; or
  • if you have had an item corrected on your Equifax credit report; or
  • once every 12 months.

If you do not meet the criteria, a once-off Equifax credit report is currently available for free.

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You are eligible for a free Equifax Credit Report.

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Thanks for choosing Equifax!

An individual has the right to obtain a free copy of their credit file either personally or through an access seeker in the follow circumstances:

  • Once every 12 months
  • If their credit application was declined (the free credit file request must be made within 90 days from the date the application was declined)
  • If the individual has lodged a correction request and has been advised that their Equifax credit report has been corrected

If an individual does not meet the criteria, a once-off Equifax credit report is currently available for free.

Please answer these questions below as they relate to the person whose file you are requesting.

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Great news!

Your client is eligible for a free Equifax Credit Report.