Applying for a Credit Ban
You can apply for bans with all of the Australian CRAs by engaging just one credit reporting agency and requesting that they place bans with all CRAs if you agree to their terms and conditions.
Applying through each agency
- Equifax: Go to Placing a ban with Equifax and fill in and submit the form. Once submitted, Equifax will email you to let you know the ban is in place.
- illion: Go to Placing a ban with illion and fill in and submit the form. Once submitted, illion will email you to let you know the ban is in place.
- Experian: Complete the ban request form on the Experian website.
Applying for an Extension
A ban is initially valid for 21 days. An extension may be provided with evidence supporting that you are, or are at risk of becoming, a victim of fraud. In most cases this will require you to show that you have either a police report number or a www.cyber.gov.au report number. You can apply for a Ban Extension with one CRA and request they notify all other CRAs to extend your ban.
- An extension needs to be applied for prior to the expiry date. It is recommended you set a reminder a few days prior to the initial ban period ending.
- You may receive an email from each of the CRAs telling you the ban period is about to expire.
- You may directly respond to the email by saying you want to extend the ban or create a new one and remember to state your customer number.
- You will be required to provide a reason for the extension e.g. you have been subject to a compromise or theft of your personal identity information.
- You will also be required to provide either a police report number or a www.cyber.gov.au report number in order to validate your request.
Ban Extension Periods
The length of time a ban may be extended varies between the Credit Reporting Agencies.
- Experian will allow an individual to extend for 12 months.
- illion will allow extensions for 12 months.
- Equifax will allow extensions for 12 months.
Relevant IDCARE Fact Sheets
You can find more information in the following IDCARE Fact Sheets
Relevant Websites
For additional support or information, contact IDCARE by submitting a Get Help Form or call 1800 595 160 (Aus) or 0800 121 068 (NZ).
Disclaimer
Identity Care Australia & New Zealand Ltd (IDCARE) provides identity and cyber security incident response services (the Services) in accordance with the following disclaimer of service:
- IDCARE is Australia and New Zealand’s national identity and cyber incident community support service. IDCARE is a not-for-profit and registered Australian charity.
- The Services provided do not constitute legal advice. IDCARE recommends that you consult your own legal counsel in relation to your legal rights and obligations, including but not limited to your legal rights or obligations under Australian and international privacy and data protection laws.
- While every effort has been made to ensure the accuracy of the content provided, to the maximum extent permitted by law all conditions, terms, representations, and warranties (in each case, whether express or implied) in connection with the provision of the Services which might otherwise be binding upon IDCARE are excluded.
- IDCARE’S liability for any loss or damage suffered by any person or organisation (including, without limitation, any direct, indirect or consequential loss or damage) arising out of or in connection with the Services (including without limited liability for any negligent act or omission, or statement, representation or misrepresentation of any officers, employees, agents, contractors or consultants of IDCARE) shall be limited to the fees paid by you to IDCARE in respect of the Services. For the avoidance of doubt, this limitation of liability extends to any liability arising from any actions performed or not performed as a result of any recommendations made in the course of providing the Services.
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