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Consumer Information Disclaimer

The information provided by Fix My Credit File Australia ("we," "us," or "our") on our website is for general informational purposes only. All information on the Site is provided in good faith, however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site.

Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the site or reliance on any information provided on the site. Your use of the site and your reliance on any information on the site is solely at your own risk. This disclaimer does not exclude any liabilities that are not permissible under applicable law.

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Your right to dispute inaccurate listings

You may dispute inaccurate and contestable information in your credit report by contacting the

relevant credit provider, the relevant industry Ombudsman, or The Office of the Australian Information

Commissioner directly.

A credit reporting agency may also investigate and modify or remove inaccurate, obsolete, or

incomplete information. If the credit reporting agency does not resolve the dispute to your satisfaction,

you may send a brief statement to the credit reporting agency, to be kept in your file, explaining why

you think the record is inaccurate, obsolete, or incomplete information. The credit reporting agency

may include a summary of your statement about disputed information with any report it issues about

you.

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Importantly, neither you nor any credit restoration organization can have accurate, current, and

verifiable information removed from your credit report.

Credit reporting agencies will remove accurate information on your report after

5 years for defaults,

clear-outs - 7 years,

serious credit infringement - 7 years,

judgments and court writs - 5 years, credit

enquiries - 5 years,

previous directorships - 10 years.

Additionally, bankruptcy information can be reported for a minimum of 5 years,

Repayment history (last 24 months worth of payments made on both Open and Closed credit accounts).

Your right to obtain a free credit report

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You have the right to obtain a credit report from a credit reporting agency. Some agencies may

request a fee prior to providing you with your credit report. Please note that the information on each

credit file may vary. You are able to obtain a copy of your credit report for free from a credit reporting

agency if:

 - You have applied for, and been refused credit, within the past 90 days

 - Your request relates to a decision by a credit reporting bureau or a credit provider to correct

    information in your credit report, and

 - Once a year (not counting the above circumstances).

You can find out more information by visiting: https://www.oaic.gov.au/individuals/faqs-for[1]individuals/credit-reporting/accessing-your-credit-report.

Please feel free to contact the Office of the Australian Information Commissioner for more information.

Please note that in the instance Fix My Credit File Australia accesses your consumer credit report,

we will be listed as an ‘access seeker’ on your report. This is not classified as a credit inquiry.

By nominating us as an Access Seeker, we will be using your access rights to consumer credit

information which means you may be charged in the future for information that may have been

available for free from credit reporting bodies.

Obligations of credit providers

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Credit Providers are required to follow reasonable procedures to ensure that the information they

report to a credit reporting agency is accurate and in accordance with the relevant laws and

regulations. However, mistakes may occur.

If you dispute the information contained on your credit report, then you may contact the relevant credit

provider or credit reporting agency with the details of your dispute. If your dispute is unable to be

resolved by the credit provider or the credit reporting agency, then it may be referred to an impartial

external dispute resolution service, which is free for consumers.

Credit Reporting Bodies

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Fix My Credit File Australia may obtain credit reports from Equifax, Illion, and Experian (Credit Reporting

Bodies). In the event that Fix My Credit File Australia obtains your report from one of these providers:

(a) The Credit Reporting Bodies will collect your personal information provided by us to them in

connection with our request for access seeker services;

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(b) The Credit Reporting Bodies and their related companies may use and disclose such personal

information to manage the provision of credit reporting information and the access seeker services,

and to undertake data management for quality-related purposes;

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(c) The Credit Reporting Bodies' Privacy Policies contain information about how they handle personal

information (other than credit reporting information), including how an individual may access his or her

personal information held with them and their related companies and seek the correction of that

information, and how an individual may complain about a breach of the Australian Privacy Principles

and how they and their related companies will deal with such a complaint. The Privacy Policies are

listed below:

(i) Equifax: www.equifax.com.au/privacy

(ii) Illion: https://www.illion.com.au/privacy-policy/

(iii) Experian: https://www.experian.com.au/privacy-policy-terms-conditions

(d) The Credit Reporting Bodies' Credit Reporting Policies contain information about how they collect

and handle credit reporting information. The Credit Reporting Policies are listed below:

(i) Equifax: https://www.equifax.com.au/credit-reporting-policy

(ii) Illion: https://www.illion.com.au/illion-credit-reporting-policy-australia/

(iii) Experian: https://www.experian.com.au/privacy-policy-terms-conditions

Australian Information Commissioner

The Office of the Australian Information Commissioner regulates Credit Reporting Agencies and

provides free information and services for consumers. You can contact them at:

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The Office of the Australian Information Commissioner

GPO Box 5218

Sydney NSW 2001

Alternatively, you can contact them by telephone on 1300 363 992.

Financial hardship

If you are in financial hardship, you can contact your lender or credit provider and apply for a hardship

variation.

You may also be able to seek free legal and financial advice from many community organizations,

community legal centers, and some government agencies. More information can be found at

www.moneysmart.gov.au

You have a number of options available to you if you are in financial hardship. These may include:

1. Speaking to your creditors about an informal arrangement

2. Speaking to your creditors about financial hardship

3. Entering a debt agreement

4. Entering a personal insolvency agreement

5. Going bankrupt

6. Debt waiver

You can also find out more about unmanageable Debt by visiting www.afsa.gov.au

No guarantee

Even if one or more listings are amended on your credit report or your credit report is updated, there is

no guarantee that you will be successful in obtaining credit, or that your credit score will improve.

By law, a credit provider must not enter into a contract with you that is unsuitable, such as a loan you

can't repay without suffering hardship, or a contract that doesn't meet your requirements and

objectives.

Credit providers may base their decision to approve finance on their own lending criteria, which may

take into account a number of factors such as your ability to afford repayments, the security of your

financial position, and the information listed on your credit report.

You can find out more information credit providers’ obligations and obtaining consumer credit by

visiting www.moneysmart.gov.au

Cooling-off Period

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If you enter into an agreement with Fix My Credit File Australia, then you will be entitled to a cooling-off

period of 3 business days, which starts the day after the agreement, unless you have requested that

Fix My Credit File Australia deal with your matters on a priority basis.

Exit Fees

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If you enter into an agreement with Fix My Credit File Australia, a cancellation fee may apply if you cancel

outside of your cooling-off period. The cancellation fee includes any administration fees charged and

any completed service fees. Any applicable cancellation fees will be disclosed to you prior to entering

any services.

Complaints

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If you are unhappy with the services provided by, or your dealings with, Fix My Credit File Australia, please

contact us immediately by telephone on 0418519871, during normal business hours.

You can also email the details of your complaint to freedom@fixmycreditfileaustralia.com.au.

Alternatively, you can write to us with the details of your complaint at:

Internal Dispute Resolution

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Fix My Credit File Australia

3 Dorall Street

Kippa-Ring, 4021 QLD

All complaints will be dealt with in accordance with Fix My Credit File Australia’s complaints handling

policy, which can be obtained from our website.

If an issue has not been resolved to your satisfaction, you can lodge a complaint with the Australian

Financial Complaints Authority, or AFCA.

AFCA provides fair and independent financial services complaint resolution that is free to consumers.

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Website: www.afca.org.au

Email: info@afca.org.au

Telephone: 1800 931 678 (free call)

In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

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Questions or comments

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If you have any questions or comments, then please feel free to contact us by calling 0418519871,

during normal business hours.

Alternatively, you can email us at freedom@fixmycreditfileaustralia.com.au or you can also write to us at:

Fix My Credit File Australia

3 Dorall Street

Kippa-Ring, 4021 QLD

Further information can also be obtained from our website www.fixmycreditfileaustralia.com.au.

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