Lenders and credit providers
If you are experiencing financial difficulties, contact your lender as soon as possible as they may be able to set up a financial hardship arrangement with you.
Credit reporting bodies
You can request a free copy of your credit report every three months from each of Australia’s three main credit reporting bodies. It’s wise to regularly check the information in these reports, and if you notice any errors, to get in touch with the reporting body straight away.
If you’ve been declined credit in the last 90 days, or had an item corrected on your credit report, you can request an additional copy of your credit report.
Advice and assistance with financial difficulties
If you are experiencing financial troubles, the National Debt Helpline offers a free, independent, and confidential service.
ASIC’s MoneySmart website also contains a list of free counselling services.