Helpful Services 

Below are the names and contact details of organisations you might find helpful. 

check your credit (Dun & Bradstreet)
check your credit provides you with a copy of your personal credit report as held by Dun & Bradstreet, enabling you to view your complete credit history, see how it is being portrayed to credit providers and request a change to your credit report
Visit: www.checkyourcredit.com.au/Personal
Call: 1300 734 806

Experian Australia Credit Services
An Experian Credit Report provides a snapshot of an individual’s current and historic credit information. You can order a free copy of your credit report or request a correction to your credit report .
Visit: www.experian.com.au/credit-services/credit-reports/your-credit-report.html
Call: 1300 784 134

Equifax
Equifax is Australia’s leading credit reporting agency, providing products to help you understand and manage your credit history, including access to a free copy of your credit report .
Visit: http://www.equifax.com.au/
Call: 13 83 32

Tasmanian Collection Service
Tasmanian Collection Service provides complete credit protection for businesses trading in Tasmania. To get a copy of your credit report or to request that an error on your credit report is fixed.
Visit: www.tascol.com.au 
Call: (03) 6213 5555

 

MoneySmart 
An initiative of the Australian Securities & Investments Commission, offering tips and tools to help consumers make the most of their money.
Visit: www.moneysmart.gov.au
Call: 1300 300 630

MoneyHelp
Moneyhelp provides free confidential and independent financial information for Victorians experiencing financial difficulty.
Visit: www.moneyhelp.org.au
Call: 1800 007 007

Financial Counselling Australia (FCA) 
The peak body for financial counsellors. FCA can assist consumers to find a free, independent and confidential financial counsellor in their state or territory.
Visit: www.financialcounsellingaustralia.org.au
Call: 1800 007 007

Care Inc.
Care’s Financial Counselling Service is a community organisation set up to ensure low income consumers are treated fairly and have support to overcome debt.
Visit: www.carefcs.org
Call: 1800 007 007 

National Debt Helpline
The National Debt Helpline website has information and self-help resources for people experiencing financial difficulty. People who may need more assistance are encouraged to ring 1800 007 007 or to contact a face-to-face financial counsellor for an appointment.
Visit: www.ndh.org.au/
Call: 1800 007 007 

 

 

Specialist Consumer Legal Centres in your state:

Community legal centres operate throughout Australia and provide free legal advice on a range of matters, including advice about working with credit providers or credit reporting bodies and how to deal with an issue on your credit report .
The Community legal centres that are listed below specialise in financial services and they can help you with a credit reporting question or dispute. These legal centres provide legal advice and representation to consumers relating to consumer credit, banking, debt recovery and finance.

Consumer Action Law Centre, Victoria 
Visit: www.consumeraction.org.au
Legal advice for the public: 03 9629 6300 / 1800 466 477

Financial Rights Legal Centre, NSW
Visit: www.financialrights.org.au  
Call: 1800 007 007 (if calling from NSW)

Redfern Legal Centre, NSW
Visit: www.rlc.org.au  
Call: (02) 9698 7277

Consumer Credit Legal Service WA
Visit: www.cclswa.org.au
Call: (08) 9221 7066

Caxton Legal Centre, Queensland
Visit: www.caxton.org.au
Call: (07) 3214 6333

Consumer Law Centre of the ACT
Visit: www.carefcs.org
Call: (02) 6257 1788

For a referral to a free, independent financial counsellor in any state call 1800 007 007 or go to www.financialcounsellingaustralia.org.au.

Community Legal Centres

Community legal centres can be located through the following associations:
If you have a non-consumer related legal issue, you should contact the relevant peak body in your state listed below.

National Association of Community Legal Centres
Federation of Community Legal Centres, Victoria 
Community Legal Centres NSW
Community Legal Centres Association WA
Queensland Association of Independent Legal Services
South Australia Council of Community Legal Services
Community Legal Centres Tasmania
ACT Law Society
Law Society Northern Territory

Legal Aid 

Legal Aid organisations are state and territory based government run organisations, designed to assist economically and socially disadvantaged people with their legal problems. To work out if your legal matter is eligible for Legal Aid funding, we suggest contacting the Legal Aid organisation in your state or territory to check their criteria for funding.

Victoria Legal Aid 
Visit: www.legalaid.vic.gov.au
Call: 1300 792 387

Legal Services Commission of South Australia
Visit: www.lsc.sa.gov.au
Call: 1300 366 424

Legal Aid NSW
Visit: www.legalaid.nsw.gov.au
Call: 1300 888 529

Legal Aid ACT
Visit: www.legalaidact.org.au
Call: 1300 654 314

Legal Aid Queensland
Visit: www.legalaid.qld.gov.au
Call: 1300 651 188

Northern Territory Legal Aid Commission
Visit: www.ntlac.nt.gov.au
Call: 1800 019 343

Legal Aid Western Australia
Visit: www.legalaid.wa.gov.au
Call: 1300 650 579

Legal Aid Commission of Tasmania
Visit: www.legalaid.tas.gov.au
Call: 1300 366 611

If you are concerned about the conduct of your credit provider or the credit reporting body and remain dissatisfied with their response, you can contact:
1.    The credit provider that listed the information or the credit reporting body that holds the information.
2.    If you remain dissatisfied with the response from the credit provider or credit reporting body contact:

  • an external dispute resolution service, such as the Financial Ombudsman Service or Credit Ombudsman Service Limited (as applicable to your credit provider ), the Telecommunications Industry Ombudsman and the Energy and Water Ombudsman in your state or territory; or
  • the Office of the Australian Information Commissioner ( OAIC ).

The Office of the Australian Information Commissioner ( OAIC )
An independent statutory agency with responsibility for regulating and providing advice on privacy related legislation.  
Visit: www.oaic.gov.au 
Call: 1300 363 992

Telecommunications Industry Ombudsman (TIO)
For dispute resolutions concerning telephone and internet service providers. 
Visit: www.tio.com.au  
Call: 1800 062 058
(Complaints can be lodged online. See the website for more information)

Financial Ombudsman Service (FOS)    
Financial Services including: banking, credit, loans, general insurance, life insurance, financial planning, investments, stock broking, managed funds, pooled superannuation trusts, estate planning, estate management and trustee services. 
Visit: www.fos.org.au 
Call: 1300 780 808
(Complaints can be lodged online. See the website for more information)
FOS doesn’t provide legal or financial advice. Information about community legal and consumer advocacy assistance is available on their website.

Credit & Investments Ombudsman (CIO)
Financial services providers who are a member of CIO, including, non-bank lenders, finance brokers, credit unions, building societies, debt collection firms, financial planners, trustees, servicers, aggregators, mortgage managers. 
Visit: www.cio.com.au 
Call: 1800 138 422

Ombudsman services in your state:

Energy and Water Ombudsman NSW 
Visit: www.ewon.com.au
Call: 1800 500 509

Utilities Commission of the Northern Territory 
Visit: www.utilicom.nt.gov.au
Call: (08) 8999 5480

Energy and Water Ombudsman Queensland  
Visit: www.ewoq.com.au 
Call: 1800 662 837

Energy Industry Ombudsman South Australia 
Visit: www.eiosa.com.au 
Call: 1800 665 565

Energy Ombudsman Tasmania  
Visit: www.energyombudsman.tas.gov.au
Call: 1800 001 170

Energy and Water Ombudsman Victoria
Visit: www.ewov.com.au
Call: 1800 500 509

Energy Ombudsman Western Australia  
Visit: www.ombudsman.wa.gov.au/energy/home.htm 
Call: 08 9220 7588

Lifeline
24 hour crisis support and suicide prevention services.  
Visit: www.lifeline.org.au
Call: 13 11 14
Crisis support one-on-one online chat is available 8pm - 4am (AEST), 7 days

beyondblue 
Provides tailored support and assistance to improve mental health across various stages of life and areas of the community.
Visit: www.beyondblue.org.au
Call: 1300 224 636

Gambler’s Help      
Counselling, information and support, 24 hours a day, 7 days a week.
Visit: www.gamblinghelponline.org.au 
Call: 1800 858 858

Gamblers Anonymous Australia  
Help to recover from a gambling problem.
Visit: www.gansw.org.au
Call: (02) 9726 6625

Mission Australia   
Helps people to secure jobs, receive an education, find housing and develop life skills, using different approaches, often applied in unison and combined with Christian values.  
Visit: www.missionaustralia.com.au 
Call: 1800 888 868 

The Salvation Army   
One of the world’s largest Christian social welfare organisations providing assistance for people affected by homelessness, crisis, family/domestic violence, emergencies and natural disasters, as well as drug, alcohol and gambling addictions and a range of other issues. 
Visit: www.salvationarmy.org.au
Call: 1300 363 622

Brotherhood of St Laurence   
Services for disadvantaged people and emerging communities, including job training, care for the elderly and people with disabilities, assisting school leavers to plan for adult work and life, early childhood development programs and support services for newly arrived refugees and migrants. 
Visit: www.bsl.org.au
Call: (03) 9483 1183

Australian Securities & Investments Commission (ASIC) 
Australia's corporate, markets and financial services regulator. The website contains a professional register of licensed credit providers
Visit: www.asic.gov.au 
Call: 1300 300 630 

The Office of the Australian Information Commissioner ( OAIC
An independent statutory agency with responsibility for regulating and providing advice on privacy related legislation. 
Visit: www.oaic.gov.au 
Call: 1300 363 992 

Click here to access a copy of the Privacy Act 1988 (Privacy Act), the Privacy Regulation 2013, the Privacy (Credit Reporting) Code 2014 (CR code) and the National Consumer Credit Protection Act 2009.