![]() ![]() ![]() For example, a credit provider may need to collect more personal information directly from you. While a ban period is in place it may be more difficult for you to apply for credit. This will alert the credit provider to the potential fraud. If a credit provider asks a credit reporting body for a copy of your consumer credit report during the ban period, the credit reporting body will tell them about the ban. an Australian law or a court or tribunal order require the credit reporting body to use or disclose it.if you've consented, in writing, to the use or disclosure, or. ![]() What happens during a ban period?ĭuring the ban period, a credit reporting body mustn’t use or disclose your consumer credit report (or the information in the credit report). It must do so as soon as reasonably practicable. Instead of applying to all 3 credit reporting bodies for a credit ban or an extension, you have the option to request 1 credit reporting body to pass on your request to the other 2 bodies. If you don’t take any further action, the ban period on your consumer credit report will be lifted after 21 days. what, if any, information it requires to support your allegation of fraud.about your rights to extend the ban period.of the date the ban period is due to finish.The credit reporting body must notify you at least 5 business days before the ban expires: The ban period will last for 21 days after you first make the request. To fill out an online application form for a credit ban, please visit:Įach credit reporting body will then place a ban period on your consumer credit report. We recommend that you make the request to all 3 credit reporting bodies in case they maintain a consumer credit report on you. Under the consumer credit laws, if you’ve been or are likely to be the victim of fraud (including identity fraud ), and a credit reporting body holds credit reporting information about you, you can request that a credit reporting body place a ban on your consumer credit report to prevent them from being able to use or disclose the information as part of a credit check. ![]()
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