If you need to place a ban or manage an existing ban on your Experian or illion credit report, get started by selection an action below.

Place a ban

Extend a ban

Lift a ban

If you are concerned you may have been the victim of a data breach or potential fraud, you can place a ban on your illion or Experian credit report now.

Place a ban now

Protecting your credit report from fraud

Your credit report is designed to give your credit providers information they need to consider when assessing your application for credit. However, if you’ve been the victim of fraud or if you’re concerned that you’ll likely be a victim of fraud, you can ask us to place a temporary ban on your credit report to prevent someone taking out credit in your name. A credit report ban is a temporary freeze on your credit report that stops lenders from accessing your credit information without your permission.  The initial ban period is for 21 days and the ban extension period is 12 months. It’s free to request a ban and any subsequent extensions and there is no limit to the number of times a ban can be extended. If you need to extend your ban, please contact us 10 days prior to the ban ending.

Additionally, your ban request, with your consent, can also be placed on your credit reports with other credit reporting bodies (CRBs) – namely Equifax. Please note that Experian will simply share your request, however is not responsible for the actions taken by the informed CRB. The other CRBs may contact you directly to confirm the actions they have taken or any additional information they may require from you.

What happens during a ban

You can still order a copy of your credit report at any time, despite a ban being in place. During a ban we won’t use or disclose any information from your credit report. If an organisation asks us for a copy of your credit report, we’ll let them know there is a ban in place. This ensures they are aware and alerted to the potential fraud risk on your account.

 

Lifting a ban and applying for credit during a ban

Having a ban in place doesn’t mean you’re exempt from applying for credit, however, a credit provider won’t have access to your credit report. If you need your ban lifted, you can submit your request below.

Before we can process your request and to protect your identity, you will be required to provide the credit reporting information we hold on you from ONE of the following identification documents. Please ensure you have acceptable photo identification ready before completing the ban lift request.

Photo Identification Options:

  • Current Australian Driver’s Licence
  • Current Australian Passport
  • Australian Medicare Card (all versions)
  • Centrelink Card (all versions)

Once the lift has been processed, the ban removal may occur overnight.

If the ban request was also sent to the other CRBs, please contact them directly to request the ban be lifted on their credit reports.

Lift A Ban