Credit Default Removal & Credit Report Correction Demand

What this document does

• A formal correction demand under Part IIIA of the Privacy Act to the credit provider, naming the credit reporting body that holds the listing (Equifax, Experian or illion), that pleads the exact notice and threshold rules they had to follow, demands removal or correction within 30 days, and sets up your AFCA or OAIC complaint.
• Records the facts that matter on paper: credit provider that listed the default, listing details (type, amount, date, status, bureaus), account or reference number, address when the notices were sent.
• Sets a clear deadline and spells out what happens if they ignore it.
• Cites the Commonwealth law and national bodies that apply the same way in every state and territory.
• You review the draft first; we only send it to the other party on your say-so.

What we'll ask you

Plain-English questions, one at a time. No legal knowledge needed — if you don't know an answer exactly, your best estimate is fine.

1. Who listed the default? The credit provider's name as it appears on your credit report (a telco, energy retailer, bank, lender, BNPL or a debt buyer such as Credit Corp).
2. Tell me the story — how you found out about the listing, what the account was, what happened with it at the time, and what you've already said to the credit provider or the credit bureau.
3. What does the listing say? The type (default, serious credit infringement, repayment history), the amount, the date listed, the status (paid / unpaid / settled), and which bureau(s) it appears on — Equifax, Experian, illion.
4. What is the account or reference number on the listing?optional
5. Why should it come off or be corrected? Pick what fits and add a line: I never received the overdue notice or the warning of listing; it went to an old address; the amount was under $150; it wasn't 60 days overdue; I'd paid or was in a payment or hardship arrangement; the amount is wrong; it was in dispute; it isn't my account / identity theft; it's older than 5 years; it's marked unpaid but I paid.
6. Where were you living when the overdue notices would have been sent?optional
7. What proof do you have? Your credit report, receipts or bank records of payment, proof of your address at the time, emails or call references, a police report for identity theft.optional
8. What do you want — the listing removed, corrected, or marked as paid?
9. Has the listing cost you anything yet? For example a loan declined or a higher rate.optional
10. Do you have the credit provider's email — ideally their credit reporting, complaints or privacy team? Once you approve the demand we can send it straight to them.optional
11. Your state or territory — for your address and the date on the document.
12. Your name and email — so the draft lands in your dashboard and inbox.