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Overdue debts and Credit Reports
If you do not pay your debt, the credit provider may refer it to a debt collector AND report it to a credit reporting agency.
Your provider must notify you before lodging an overdue payment report.
Your credit provider may report the debt if:
The default may be recorded on your credit report and remain for 5 years (or 7 years in the case of a clearout).
When you pay the debt, the listing stays but your credit report will be updated to show the payment. If there is an error on your credit report, you have the right to get this fixed.
Free Credit Reports available at www.mycreditfile.com.au .
To correct a wrong listing on your credit report yourself for free go to www.moneysmart.gov.au and search for credit repair.
Credit Repair Agencies
Free Financial Counselling
Good Shepherd (South East Water)
Good Shepherd can help by providing information on:
Service is free and confidential
This service is located at:
Bayside and Peninsula Financial Counselling Service
Eligibility: Resident of, or works or studies in Frankston City.
How they help:
The financial counsellor will work with people over the phone and may make another phone appointment or a face to face appointment at the closest office.
Counsellors may also refer to other services such as family support, consumer rights & legal services, family violence or housing and homeless services.
• Service is free and confidential
Intake line: Phone 1300 765 595
This service is located at
Financial Counselling Hotlines and websites
MoneyHelp (Free phone counselling service)
Free financial counselling phone service for people living in Victoria.
Money Management, Financial Counselling tools and advice to help you manage your money and debt.
Confidential and free financial information to assist Victorians with debt problems. Information includes rent assistance, redundancy payments and bankruptcy.
Phone: 1800 007 007
Consumer Action Law Centre
Phone: 1800 466 477
Melbourne-based consumer advocacy and campaigning organisation that provides free and independent legal assistance and financial counselling.
Financial Counsellors Australia
Download Fact Sheets or a letter to send to a creditor or debt collector. Use the “Debt Self Help Tool” for a tailored assessment about your options.
Tools and resources to help you understand and manage your money.
More comsumer information
Consumer Affairs Victoria
Consumer Action Law Centre (Legal Advice Line)
How to contact your Ombudsman. List on this website: www.frankston.net/ombudsmn
Download and Print
Financial Counsellors 175k (2 page PDF)
Bill and School Payments 175k (2 page PDF)
No Interest and Low Interest Loans 175k (2 page PDF)
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This page last updated: 21-Sep-2015