Veda Advantage or Dun and Bradstreet may take up to 10 days to send your report from the day they receive your application, or sooner if you pay a fee. Tasmanian Collection Service will provide you with a free copy of your report if your application relates to a refusal of credit or the management of your credit arrangements. Otherwise they charge a small fee

You can get a copy of your credit report from these credit reporting agencies: Veda Advantage (previously known as Baycorp Advantage), Dun and Bradstreet, and Tasmanian Collection Service.

Check your personal details
	Are your names and addresses spelt correctly? Misspelt names and addresses might mean you have multiple listings for one loan application or have someone else's defaults listed on your report.	Ask the credit reporting agency to fix any mistakes.
	Has someone stolen your identity to apply for credit? If you believe someone else is using your identity to get credit you may be the victim of identity theft. Identity theft or fraud is a crime.	Report it to the police, the credit providers and the credit reporting agency.
Check the accuracy and age of any listed credit defaults
	Were the defaults more than 60 days old when listed and did you receive a letter about the default before it was listed? How old is the listing? It can't be listed for more than five years. Are they listed as paid or unpaid?	Inform the credit provider and the credit reporting agency of any mistakes and ask them to amend your credit report. Repay any outstanding credit defaults if you can When you pay, ask the credit provider and credit reporting agency to amend your credit report. The default credit will still be listed but will no longer be outstanding.
Check the accuracy and age of any serious credit infringements, listed court judgments or bankruptcy orders
	Is something listed as a serious credit infringement when you were contactable and weren't trying to avoid the debt? This shouldn't be listed as a serious credit infringement. How old is the credit infringement listing? It can't be listed for more than seven years.	Contact a consumer credit legal centre if there is a mistake. Inform the credit provider and the credit reporting agency of any mistakes and ask them to amend your credit report.

If you are unable to fix inaccuracies on your report you can take your complaint to:

• an independent complaints scheme for complaints about banks or credit unions
• the Telecommunications Industry Ombudsman for complaints about phone companies
• the Office of the Federal Privacy Commissioner for all credit reporting complaints