Your credit report has information about you and your credit history. You should retrieve a copy of your credit report to check that the information is correct.
Credit reports can be ordered through My Credit File or Veda Advantage.
Getting a copy of your credit report
What about old or statute-barred debts?
You may have a defence against a debt if:
- Long period of time has passed (usually 6 six years but it may be different depending on which state you live); and
- No court action has been taken.
Debt collectors must act within the law when recovering debts. They cannot:
- Use physical force;
- Harass or threaten you;
- Mislead or deceive you; or
- Take advantage of your disability or vulnerability.
Disputing a debt
If you have been contacted regarding a debt you don’t believe is yours you have a right to dispute the debt or the amount of the debt.
When you make a reasonable request, debt collectors should be prepared to give you account information and copies of contracts.
I thought I settled that debt
Be aware a debt collector may contact you for a debt you may have paid in full. In this case explain to the creditor you have paid this debt and offer supporting documents to prove payment has been made.
- ITSA Registered Debt Agreement Administrator
Debt Free is a Registered Debt Agreement Administrator (Reg. No. 1098) and is regularly inspected by ITSA. Australian Credit Licence No: 392282
