Independent Australian credit journal · General information only
Plenty Valley · Melbourne
Plenty CreditPlain-English guides to credit, loans and household money in Australia.
Topic hub
Your rights under Australian credit law: responsible lending, reading a credit contract, credit-repair company warnings, and identity theft on a credit file.
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Fraudulent accounts and mixed files look similar on a credit report and are different problems. Freeze or ban the file, use IDCARE, report to police where needed, and correct Equifax and Experian in writing. General information, not legal advice.
9 min read · 29 July 2026
Before you accept a personal loan, car loan or card, read the amount, rate, comparison rate, fees, default clauses, any security, and add-on insurance. Cooling-off is limited. General information, not legal advice.
9 min read · 18 June 2026
You can dispute genuine errors on Equifax and Experian for free. No one can lawfully delete a true default overnight. ASIC and CreditSmart have warned about repair firms that over-promise or charge upfront. General information, not advice.
9 min read · 6 May 2026
Australian credit law still turns on whether a contract is unsuitable. Lenders must inquire, and often verify, before they offer many products — with different settings for ADIs and for buy now, pay later. General information, not legal advice.
9 min read · 9 January 2026
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